davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (MA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-18
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (KS)

Received collections letter from Receivable Mgmt Group regarding alleged medical debt. Asked company to verify / substantiate debt, have not received any  proof that the debt is mine. Ask to have debt removed from my account.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

I received an email stating that I could resolve my debt with senseless through true accord for the amount of {$XXXX} As they represented this as the amount owed to clear total debt balance with sezzle I paid it. Then they keep trying to collect for the same company, different amount of balance spamming the same communication style. Its falsely misrepresenting the actual debt owed by using these tactics to collect on a debt. Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt and I believe this falls under the protection of these laws.
Consumer complaint received 2022-12-18
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

In XX/XX/XXXX I was given a Perkins Loan for {$3000.00} which I paid {$1400.00} of while it was deferred during my doctoral program. The loan balance was transferred from Campus Partners ( whom I had paid previously ) to the Department of Education ECSI Federal Perkins Loan Servicer in XX/XX/XXXX ( according to a phone call I had with an ECSI employee on XX/XX/XXXX ). I attempted to track down information for repayment around the time of my graduation ( XX/XX/XXXX ) and saw Dep of ED/ECSI Federal Perkins Loan Servicer '' listed as the servicer, but I was unable to find any account or repayment information and the website link on the studentaid.gov site went to an invalid website ( see attachments ). I thus waited for someone to contact me about this but was never contacted by my former school, Campus Partners, ECSI, DOE Default Resolution Group nor the collections agency assisting them, regarding methods for repayment. I have since learned that ECSI and the subsequent servicer ( Department of Education Default Resolution Group ) had an address on file in a state in which I have never lived ( Maine ) and no email address. In XX/XX/XXXX I had my credit checked while attempting to purchase a home and was notified of a defaulted loan and given the contact information for ECSI to resolve the problem. I learned that my loan was now being managed by a collections agency ( XXXX  XXXX XXXX ) and the Department of Education Default Resolution Group. I paid it off immediately and my account was closed in XX/XX/XXXX ( see attached letter from DOE ). According to a phone call with ECSI on XX/XX/XXXX, my first payment was due to ECSI on XX/XX/XXXX, and they confirmed an incorrect address in Maine. They also stated that they made the report to the credit bureaus regarding my defaulted loan, which has lowered my credit score by 100 points  and significantly impaired my ability to buy a home. I would like the Department of Education/ECSI and/or the Default Resolutions Group to remove this XX/XX/XXXX and XX/XX/XXXX marks from my credit report ASAP, as I made every effort to fulfill the terms of my loan and repay in a timely fashion, but was unable to identify the servicer until my loan was already in default.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-09-13
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. (OH)

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Consumer complaint received 2022-04-15
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. (MS)

XXXX and Transunion have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my Transunion report XXXX XXXX report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( Transunion and XXXX ) that I do not even have active accounts for that were done fraudently in my name and XXXX and Transunion refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (LA)

This collections company insists on keeping derogatory remarks on my credit file even when they are the only ones reporting out of the XXXX reporting agencies. 
I have asked previously if they can confirm that they are legally working for the original creditors and could they name them but they refused. 
Also, it says that the date the account was opened was XX/XX/2023 when this in fact is a bold lie Also, I informed the company that it is illegal to report charge offs on my credit file as a charge off is a certificate of indebtedness which is income, and must be removed immediately
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

OnXX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.
Consumer complaint received 2020-02-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I noticed that a credit inquiry was performed by XXXX XXXX XXXX under my name on XX/XX/XXXX. There is also an auto loan opened an account by XXXX XXXX XXXX for a total of XXXX Please note that I have not authorized either made any contact with anyone from XXXX XXXX XXXX. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX  all in XX/XX/XXXX & today Experian mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to Experian that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (GA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Consumer complaint received 2023-10-18
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

This debt collection company placed an account on my consumer reports without notifying me. I was never given the opportunity to dispute the alleged debt and did not receive any information regarding the alleged debt in general. The debt collection company is in violation of the Fair Debt Collection Practices Act 15 USC 1692g and FCRA 15 USC 1681s-2. I want a certified receipt with my name and signature on it as proof that they sent notice to me in the mail regarding this debt. If they can not provide this information, I want them to remove the tradeline from all consumer reporting agencies immediately. You are damaging my reputation per 15 USC 1692d ( 1 ). I have also attached a debt validation letter to this complaint to answer to. I want them to validate the alleged debt as well. I was not given the opportunity to dispute this alleged debt
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX DEPT OF EDXXXX  # 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
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  DEPT OF EDXXXX # 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
Consumer complaint received 2020-02-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ocwen Financial Corporation ( www.ocwen.com ) sold or merge with PHH MORTGAGE SERVICES ( XXXX ) XXXX or XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX, NJ XXXX PHH Mortgage Corporation is the subservicer of my loan, changed the terms of my agreement. My loan closes in XX/XX/XXXX because of the modification and PHH Mortgage change the terms of the modification after acquiring the mortgage on XX/XX/XXXX and went back to the original agreement which would make my loan close on XX/XX/XXXX.  Your Loan Started XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Remaining Payments : XXXX ; Prepaid Principal : {$160000.00} ; Prior Yr Principal Paid : {$1800.00} '' Prior Yr Interest Paid : {$1600.00}. Out of my payment of {$810.00}, PHH Mortgage uses {$180.00} towards my principal ; Interest : {$220.00} ; Escrow : XXXX. Ocwen Loan Servicng & PHH Mortgage is scamming me. I need an investigation into both companies
Consumer complaint received 2023-10-18
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-15
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( AND ) 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.

my rights were violated by the three bureaus by reporting these two accounts : XXXX ( Dismissed ) and XXXX ( Discharged ).
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (CA)

I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I was attempting to pay ahead on my monthly XX/XX/XXXX Loan payment with partial payments through out the XXXX XXXX XXXXXXXX ( smart way to reduce interest ). I paid {$220.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, and was going the pay the XXXX XXXX. I only saw my {$220.00} payment applied as principal and my XX/XX/XXXX was never applied. 

I reached out to them on XX/XX/XXXX requesting that they reapply my XX/XX/XXXX payment and advise that my XX/XX/XXXX payment was never applied. 

They told me that they don't accept partial payments ( loan is current ) and that they returned my {$200.00} payment from XX/XX/XXXX ( not yet credited to my bank account ). 

It seems illegal for a mortgage company not to accept partial payments on a current loan. 

Can you help?
Consumer complaint received 2022-12-18
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. (CA)

Since XX/XX/2022, Equifax has consistently refused to remove a fraudulent collections account ( XXXX XXXX XXXX from my credit report. 

I have disputed the account multiple times and submitted online the report that I filed with the FTC back in XXXX 2022. But the company continues to refuse the removal of this one fraudulent account. Equifax claims that no documents have been received.

However, I submitted an FTC report online multiple times. 

On Friday, XXXX XXXX, 2022, I submitted another online dispute regarding this account ( XXXX XXXX ), along with documents. This account has not been removed. 

Also on Friday I filed another dispute over the phone regarding a third fraudulent account ( XXXX XXXX, XXXX XXXX ) on my credit report. It has been removed as of XXXX XXXX, 2022 without any documentation submitted to Equifax on my end. 

Today, Sunday, XXXX XXXX, 2022, I have had 4 heated calls with customer reps who have lied and told me that they are unable to remove the XXXX XXXX account from my report. One rep said the account it's been " validated '' as mine when it's not. One agent hanged up the phone on me. Another agent lied to me about transferring my call to a supervisor. Another agent confirmed there are no supervisors on site and refused to provide information regarding the department assessing disputes. 

Equifax is not resolving the problem, just creating additional problems for me and lying about their business practices. And most likely they have created this problem in the first place thanks to their data breach. XXXX XXXX appears to me implicated in a data breach this year as well. 

I want them to be investigated.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX Chase Bank sent me an email stating XXXX 2023 I was approved for a Credit card and an actual card came on XXXX. I went to the institution today XXXX. I informed them I had applied for a credit card and the employee XXXX XXXX assisted me with calling customer service to cancel the credit card and fill out a fraud alert. The amount of {$5000.00} was the credit limit. They had no explanation on why I received this card that I didnt apply for.