davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Express Enrollment LLC (IL)

I was initially contacted via phone on XX/XX/XXXX by XXXX XXXX informing me that she was with the student loan forgiveness program and with six consecutive payments of {$160.00} they would process all of my outstanding student loan debt for forgiveness. They changed my account log in information with XXXX XXXX XXXX XXXX account and my XXXX account without consent or knowledge. I have attempted to cancel with the company multiple times. The first attempt was a few weeks later early XXXX. They refused to let me cancel because they claimed all of my paperwork was processed and my loans were getting transferred to another borrower. I processed chargebacks with my bank in XXXX of XXXX for the first two automatic payments SLFD Processing submitted. They did not like that I filed disputes and contacted me to cancel the chargebacks in which they claimed I would receive paperwork or proof of the " services '' they promised. I have been fighting for two years with SLFD Processing with numerous phone calls, emails, and text messages from XXXX XXXX who is supposed to be the processing manager. I have never received any updated proof that anything was completed. I contacted XXXX again XX/XX/XXXX because they continued to refuse refund and provide me with the promised services two years later. XXXX sent a text, email, and voicemail that he attempted to contact me back, but I never received a phone call. I called again with no response. I have all correspondence, the contract sent, and all conversations. I know the Attorney General of Minnesota has a settlement claim against this company. I received an email from SLFD Processing on XX/XX/XXXX stating if I currently owe a balance under my agreement SLFD Processing is cancelling the balance for compliance with Illinois XXXX XXXX XXXX. I contacted them immediately after that email was received and I was informed I would be refunded within the next two weeks and they would update me when they had a final answer. Two weeks later, still no contact so I have called every week since XX/XX/XXXX with no contact made. Multiple voicemails to this company have been left each week and it is now XX/XX/XXXX. I have heard nothing about my refunded money in the amount of {$990.00} in two months. They are now ignoring my attempted contacts. I deserve my money back.
Consumer complaint received 2023-07-01
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: National Credit Systems,Inc. (AL)

I have been a victim of fraud, Due to XXXX XXXX XXXX  making a false claim that a money order of {$220.00} for the rent deposit on an apartment came back insufficient funds. I sent off for the copy of the money order, and the copy showed where the money ordered was stamped and cashed on XX/XX/XXXX of XXXX. My credit report has been affected, due to the balance owed being falsely added to my credit report, even though XXXX XXXX was the primary lease holder for the apartment, and the judge ordered for him to be responsible for the payment of {$1400.00}. I have paid XXXX XXXX XXXX to remove the balance from my credit report, but the balance is still showing on my XXXX report. I disputed the XXXX account and sent in copies of proof and am waiting for a response. I will be contacting an attorney to represent me in this matter.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

The federal government had expanded the public service loan forgiveness parameters because of faulty and misinformation given that were not counting payments that should have qualified. I was victim to this and appreciative of the temporary expansion ( TEPSLF ). I have correctly submitted all of my paperwork to have the previously unqualifying payments count towards my XXXX payments towards full forgiveness to MOHELA. This paperwork was submitted ( with an attachment ) in XXXX of 2022. Because I had gone in and out of full time employment at my qualifying employer, an attached document was provided detailing all of the dates that I worked to be considered full time and therefore work towards my forgiveness. In XXXX of 2022 the paperwork was under review. Several months later it has said processed but my payments were still not reflected. I called and they said even though the document says processed it can still take another 90 days for the payments to reflect ( untrue ). I have since called and spent more than an hour at each juncture explaining, escalating my complaint ( including bringing it to the federal government ) to each time be told that it will be handled. Most recently I had someone say they would have it reviewed again in detail and understood my problem. Today I got an email saying they are missing documentation about average hours worked. In the document submitted under average hours worked it says : see attached document which in full details the months of a full 4 years at the qualifying institution and which of those months were considered full time. They are now asking for this information-which they have, and continuing to not solve this XXXX year issue, to which they have every amount of information needed. They are scamming me and hindering my progress towards loan forgiveness. I have a child with XXXX XXXX and can not spend endless amounts of time dealing with this.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXXXXXX XX/XX/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  {$990.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Service has not yet deleted two collection accounts that are past the Statue of Limitation in the State of Texas, where I reside. I closed the original accounts more than XXXX  years ago. Attached documents show that these inaccuracies were supposed to be deleted from all my credit files by XX/XX/year>. It is past XX/XX/year>.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management has continued to garnish my wages after I have the account paid in full. I have given them evidence of my both my accounts being paid in full and they claim they havent sent out satisfaction of dismissal of judgement or a garnishment release letter to my employer. As of today, I have been garnished for the last three weeks totaling over XXXX dollars. They claim that there is still over XXXX dollars to be paid. I filed a dispute and asked for a detailed account of my payments. They stated that my dispute would take 90 days, and I would continue to get garnished. They said that I could cancel my dispute without guarantee that my account would be corrected and that the garnishment would still be continuing knowing that on my checks I have already had XXXX extra dollars that they owe me back now that went to them after having it paid in full. I need this money, I am a single dad of XXXX XXXX and I have just made sure that my balances were paid in full so that I could continue to pay off the remainder of my debt and I need this garnishment to stop ASAP. I never filed for an installment order and I believed that I needed to make sure that I am paying this debt off through my wages at work.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXXXXXX XXXX was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Consumer complaint received 2020-09-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (MN)

CD  of {$160000.00} matured on XX/XX/XXXX, a Saturday. TIAA said it would be sent via postal service. They said check was sent Monday XX/XX/XXXX. On XX/XX/XXXX I still have not received the check. I called a couple times and both times they blamed the post office. They said it could take up to 14 business days. I find that extremely hard to believe regular mail takes that long to go from NY to MN. I think they are being slow and blaming the Post Office so they can use the float. I mentioned that to them and both times their response was my  money is not in their hands anymore. Until I cash that check they still have use of my money. I still can't believe they both said that to me! If one were to extrapolate how often this goes on at TIAA I would imagine they are making a fair amount of money off the float.
Consumer complaint received 2022-11-05
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. (MI)

The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. However, Transunion and XXXX still are reporting a bankruptcy on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions. 

Also, the Credit bureaus have had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. I have been trying to get this correction made for the past several months to no avail. That damage as a result of their erroneous reporting will forever be irreparable to me and my family, due to the high interest rates being paid, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report.
Consumer complaint received 2020-09-30
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. (TX)

I recently filed a dispute with equifax regarding unauthorized inquiries on my report. Equifax did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OR)

I mailed XXXX remittance coupons ( over the course of a few months ) and they kept my remittance coupons but did not credit my account. 

The first XXXX were sent to XXXX XXXX, XXXX. The XXXX office acknowledged having received them ; did not return them ; yet did not process them. The next XXXX were sent to the payments processing center ( XXXX different credit cards x 2 months ). 

The next XXXX were sent to XXXX XXXX, XXXX. I have the tracking numbers and XXXX receipt. Some of the ones sent to XXXX XXXX, XXXX were new remittance coupons ; while some were copies of previous ones he and/or the payments center ignored. 

That's XXXX breaches of contracts, as I am the agent of behalf of the principal and I instructed them to credit the principal 's account yet they failed to perform. 

I informed them ( the first few times ) that they must credit my account whether they accept my coupon or not because as per UCC 3-603 ( b ) when tender of payment is refused, there is discharge. Therefore, they are in violation of UCC 3-603 ( b ) XXXX times. 

They have already acquiesced to this violation 3 times, by not responding to my letters in which I told them, " Failure to respond via affidavit is acquiescence. '' In addition, they have already acquiesced 3 times to following : - Violation of US Code 1601 ( transparency in consumer credit transactions ) - 12 CFR 1002 ( Equal Credit Opportunity Act ) ; - Securities fraud ; and - Trust fraud I gave them ample time to respond, stating in no uncertain terms that failure to respond is acquiescence. I offered them opportunity to request an extension. Yet they neither responded nor requested an extension.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (RI)

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Consumer complaint received 2020-09-30
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: Convergent Resources, Inc. (MI)

I was made aware of a fraudulent charge from XX/XX/2019 on my credit report in XXXX of 2019 when I was applying for a loan, and there was an item that had gone to collections on the report. 

The item in question is from XXXX XXXX in the amount of {$250.00}. I have never utilized these services and immediately reported this as fraudulent with each XXXX XXXX, and XXXX  credit reporting agencies. 

I have since begun receiving debt collection notices from Convergent Outsourcing, the company attempting to collect the balance due to XXXX XXXX. When I contacted them, they would not assist unless I had previously filed a police report, which I have not done. 

The last communication I received from Convergent provided the following details : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Amount Owed : {$250.00} Total Balance : {$250.00} Please advise the next steps to get this resolved. Thank you!
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (WA)

On XX/XX/XXXX our mortgage account with Loan Care was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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: Experian Information Solutions Inc. (OK)

I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

XXXX  XXXX XXXX