davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (MN)

Neither Choice Recovery nor their new name XXXX XXXX XXXX has a license to collect debts in the state of Minnesota. Since they do not have a license to collect a debt, and I live in Minnesota, their collection is illegal. They are aware that I currently live in Minnesota.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (PA)

MCM # : XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had an account with XXXX XXXX Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Consumer complaint received 2020-10-01
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. (FL)

I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.
Consumer complaint received 2024-06-09
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. (KS)

Checked XXXX XXXX report on XX/XX/year> and notice a XXXX XXXX XXXX account on my credit report with a limit of {$700.00} and {$170.00} has already been spent. Looks like a hard inquiry was done on XX/XX/year> and a card was issued the middle of XX/XX/year>XXXX XXXX customer care service number is XXXX and correspondence address is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX shows information as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OR XXXX XXXX I have place a credit freeze on credit report through Transunion and they stated they would notify XXXX and XXXX. The XXXX account was not on the Transunion, but was seen on the XXXX account.
Consumer complaint received 2024-06-09
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. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (IL)

i got an overdue payment reporting on my account i was overdue but mr cooper didnt make me aware of this till after i nade account current and guy i talk to there said there is nothing he can do he should be able be able to change history to current all im asking them to do is remove lare payment which i never knew was late i paid the amount due on account which they could of rejected so i wouldve known the amount was incorrect which they didnt do. also i never received a call from them informing me i was late they took payment and never notified me of anything
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Link Management, LLC (KY)

i received a call for my husband company states capital link management. said that I have a past due amount which was not covered by my deductible for my husband in 2017 and it hit collection in XXXX of XXXX they wanted XXXX said that in 30 days it will hit my credit report. i said i have never received an invoice, she said we sent it to you. i said well please send me a statement. they said they would email it to me. they emailed it said nothing more than original creditor which i do not know, reference number and creditor acct number. i called and said i needed a statement of what the payment was for ie who was it from and what was the date of service. they said we sent it to you. I said this is from 2017 i hope you understand that I am not going to pay it without researching. they said we are a collection agency and we don't have that information you can pay now or it will go onto your credit and you will owe XXXX. I said, maam i will pay it, I just want to research it. do i call you back, she said i was rude and if i didn't pay now, they would just send it to be on our credit report. How am i supposed to know if this is real or not? when i called the company, they just said hello... i said who is this and she said capital management... she knew my social number, address my husbands social... email was " XXXX XXXX '' XXXX of who sent my statement to me.
Consumer complaint received 2020-08-05
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. (MS)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX  XXXX {$17000.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}
Consumer complaint received 2020-10-01
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)

I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TN)

We were renting an apartment in XXXX, TN and endured a series of harassment, discrimination, abuse and deprived of simple basic necessities. I notified XXXX XXXX XX/XX/2022 I would be filing a complaint with HUD. On XX/XX/2022, I filed with HUD. HUD transferred the case to TN Human Rights Commission. I did my intake interview today and after discussing the circumstances of the case, she is directed it to an Investigator for Immediate Investigation. I spoke to lawyers who advised me since the landlord was in violation of TN state law for harassing me, we could leave the apartment without reprisal. I notified XXXX of this. 

On XX/XX/2022, we received notice from ProCollect that we owe those apartments {$13000.00}. Well, that is a first strike violation added to the case for violating Section 818. Now, ProCollect is going to be brought into the case and sued by us for violating our Rights under Section 818 since they should have known, they had been told that the action to file a claim was made and recorded and also responded by their client. This attempt is a violation of both State and Federal Laws under HUD Section 818. 

TN Human Rights Commission has this case. It is being assigned an investigator I was told today. 

Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. 

HUD sent the complaint for investigation. With our evidence we have, we will win this case 100 %. 

Tennessee Human Rights Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN. XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (NJ)

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

Due to COVID I have been furloughed since XX/XX/2020. I have been in constant communication with 24/7 Advance Financial and revoked all auto pays. This company has taken money out of my account on two separate occasions that I did not authorize and I now can not pay my rent nor feed my children. 
XX/XX/2020 POS Debit - Visa Check Card XXXX - ADVFINANCIAL XXXX TN POS - {$190.00} ( Unauthorized ) POS Debit - XXXX Check Card XXXX - AdvFinancial XXXX TNUS POS - {$360.00} ( Unauthorized )
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NV)

I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during XXXX crisis.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My PayPal account was limited/ suspended for quite some time now. I received an email from PayPal stating my funds are eligible for withdrawal after 180 days from the limitation date. Over 180 days have lapsed however the system is denying me from updating my bank to withdraw my funds. I have contacted support however I am only getting a automated message oppose to getting in contact with someone who can help me. Here 's the following error message I get when attempting to add my XXXXXXXX XXXX : " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. ''
Consumer complaint received 2024-03-19
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. (NY)

I, XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items appearing on my credit report. 

1. This inquiry was made without my knowledge or consent. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. Reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 3. Reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (NY)

I previously filed a complaint case # XXXX and the company First Advantage failed to send me a report indicating that they fixed the inaccuracies they purposely reported. I'm starting to believe someone employed there intentionally reported false information to hinder me obtaining employment presently and in the future. They have NEVER sent me a corrected report so now I'm filing another complaint on a previous complaint that should've been completed. This is in reference to a background report they conducted on XXXX order by XXXX on XXXX.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc. (MI)

In XX/XX/2022 my account was locked and I could not get back into the account to pay my bill I reached out to grain but did not receive any help. They reported me late to the credit bureau. But they also took a payment that month. I managed to get back into the account by acting as if it was a new account but a week after I was locked out again. I now have 4 missed payments from them the most recent being in XXXX but I can pay my account because I dont have access to my account they have the ability to take payments whenever they want in XXXX they took 2 payments from my account. Ive asked them to just take whatever I owe and close the account but I havent gotten any response back when I check reviews there are hundreds of reviews saying the same thing and my fianc has grain and is going through the same thing.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (CA)

We hope this email finds you well. We applied for the Stated Income Business Loan, Stated Income Business Line of Credit and Stated Income Business Credit Card that Navy Federal offers as far as no doc loans for start up businesses. We received an adverse action denial and we would like the governing factors that were involved in making this decision. Our business is properly structured, no debts, XXXX credit is cleared and debt to income ratio low and our business has an XXXX XXXX XXXX making my business a low risk loan so we are bewildered as to what the actual factors were in our loan denial. We asked for a {$25000.00} term loan, {$5000.00} credit line and a business credit card as instructed to do so by your staff after we discussed our credit. When we initially obtained our Navy Federal accounts we were promised by staff that WE WOULD NEVER GET A LOAN, CREDIT CARDS OR ANY SERVICES WE MAY APPLY FOR, nor are we allowed access to underwriters because quote, " there are none '', or " they don't speak to customers '', " the business agent decides on the loan there are no underwriters '' but Navy Federal and it's staff have GUARANTEED THEY will deliberately run hard inquiries on our credit intentionally to destroy our credit as we were asked how did we apply and " I thought we ran this already '' given and even though we meet the minimum criteria. When we ask questions we are given emotional and unprofessional feedback and questions left unanswered and left frustrated when we are witnessing our non-racial business friends getting funded immediately and without issues or having to meet any requirements with less credit and not having to meet any requirements at all. The adverse actions violates Title 15 subsection 1611 False and Misleading denial of my credit- the entire consumer transaction is predicated on your unlimited credit, 12 U.S.C.1431 denial of securities and denied credit before consideration and then encouraged to apply to only be denied again more false misrepresentation, 15 U.S.C. 1691-1691f we can not be discriminated against or credit used against us, 12 U.S.C. 1451 ( d ) and 42 U.S.C.12203 ( a ) ( b ) ( c ). It is against the law to use our credit against us, Retaliate against us, deny us our securities, discriminate against us, or interfere with commerce in which you have and a labyrinth of SEC Laws, EOCA and California Regulations governing Credit Unions. IT IS ILLEGAL TO TELL ME THAT " I KNOW TOO MUCH, I HAVE NEVER HEARD ANYBODY THAT KNOWS AS MUCH AS YOU DO " NAVY FEDERAL STAFF AND THEN RETALIATE AND DENY MY CREDIT BEFORE CONSIDERATION. My intentions for Navy Federal, as I have always established, is to maintain a friendly and professional business relationship but we are unable to do so due to unprofessionalism, retaliation, misleading and misrepresentation, intentional misinformation, discrimination and lending discrimination.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (PA)

I keep receiving collection notices from Medical Revenue Service on behalf of XXXX XXXX XXXX for which my insurance company has paid the amount they owe and for which I have paid the co-pays. I believe XXXX XXXX is balance billing for services I received. My insurance, XXXX XXXX, has spoken to them and so have I but they continue to try to collect. I have notified the hospital of this as well and sent them copies of both my insurance company 's paid benefits notifications and my credit card records of payment. I have been told by my insurance company that I do not owe for anything other than what they have paid and my co-payments and that the hospital is balance billing. This has happened repeatedly for several different billings and I have replied to each one in the same way. I feel like they are harassing me for money they are not owed.