davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc. (MA)

I am having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. When I called Windham, I was forced to deal with inexperience, young adults ( teenagers? ) that were incapable of answering even the most basic questions. I have requested on at least three different telephone calls a complete and accurate breakdown of the exorbitant balance they are claiming I owe. I requested a breakdown of all alleged charges, copies and dates of when the account was sold and to whom, past due fees, interest, attorneys fees, and any other fees. The current balance Windham claims I owe is {$3200.00}. I have also requested the cardholders agreement, any signatures linking me to this account, a copy of the original application bearing my signature, the original card limit, or any form of validation of this debt. It should be noted that I contact XXXX  directly ( XXXX XXXX  is the issuer ), and I was informed the account was sold to XXXX XXXX, XXXX, located in XXXX, Texas. I called XXXX XXXX, only to be told that the account was sold to Windham Professionals in New Hampshire. As stated above, I have called Windham on several occasions with no success. I have kept detailed notes with dates and specific information on these conversations. After I informed the young woman on the phone that I intended to initiate a Smalls Claims action against Windham, I received three old card statements, dated XXXX, XXXX, and XX/XX/2019 in the mail. I did not receive any of the other information that I previously requested. I believe I am entitled to this information. I am the XXXX  XXXX  XXXX  for my elderly mother who suffers from XXXX. This account owned by Windham Associates is keeping me from refinancing my home to help my mother. I have tried everything possible to address this debt, but Windham Associates is being uncooperative. They do not have enough experienced employees to assist consumers. They also do not have the information as required that I have requested to validate this debt. I am seeking help and guidance as to how to handle this situation. 

Thank you.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX of 2021 my XXXX home mortgage was purchased by RoundPoint Mortgage. I am now dealing with a lender that I did not choose. It is apparently RoundPoint 's normal procedure to issue loan statements on the 2nd of the month. Therefore, any payments logged in after the 2nd of the month will not be reported in the statement. Since the statements do not consider the current month payment they then report the payment distribution ( principal, interest & impound payments ) for the previous month. Also, since the current month payment is not considered the principal balance is not correct and the amount due for the next month payment is for 2 months or double the regular payment. Even though the statement is correct as of the 2nd of the month it is incorrect for the up coming month payment. 

I have tried twice, once in early XXXX and once on XX/XX/XXXX, to get RoundPoint to issue my loan statements during the third week of the month with no success.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2019 {$8700.00}
Consumer complaint received 2020-03-15
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. (MN)

Since XXXX of 2019 I have been trying to correct fraud on my credit profile held under Equifax. 
I have sent disputes every month for accounts on my credit profile that arent mine. 
XXXX  XXXX and XXXX have all deleted the same accounts for fraud and they couldnt verify the information. Equifax continues to send letters stating the accounts are verified as accurate and when I ask for Method of Verification they dont respond to those letters and multiple disputes they dont respond in the 30 days required under the FCRA. 
I have sent police reports, filed and sent FTC reports, and have completed all the tasks needed from Equifax to remove these accounts. 
They have stated in letters that item is verified as accurate and that every credit bureau has policies and procedures to remove items and just because other credit bureaus have removed items due to fraud doesnt mean they can. Every credit bureau has to follow the Fair Credit Reporting Act and Equifax continues to not follow them. 
Equifax removes these fraudulent accounts : 1. Us DEPT of Edu/XXXX ( Account Number : XXXX ) 2. XXXX/XXXX  ( Account Number : XXXX ) 3. XXXX/XXXX  Account Number : XXXX ) 4. XXXX - XXXX XXXX XXXX  ( Account Number Unknown- Alleged Balance is {$42000.00} Charged- Off )
Consumer complaint received 2020-03-28
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. (TX)

I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.
Consumer complaint received 2020-03-16
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: DISCOVER BANK (GA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-12-31
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. (CA)

My name is 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 2022-12-31
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. (CA)

XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXCA, 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 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 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hello, I bought an XXXX from XXXX XXXX  using paypal and the phone turned out to be stolen so I returned the phone back but I never got the money back. It's been a while and now I'm filing a complaint here so we can get this fixed asap. Thank you and have a great day. Transaction ID is XXXX and my email is XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens One Auto Finance is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act Citizens One Auto Finance failed to perform their obligation to respect and protect my privacy. Citizens One Auto Finance failed to provide me an adequate opt out notice and Ive NEVER granted Citizens One Auto Finance any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Citizens One Auto Finance actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navient breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navient to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Citizens One Auto Finance is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2020-03-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION (CA)

My XXXX XXXX XXXX was repossessed in XXXX after missing one payment. While on the phone to negotiate payment with the representative, they dispatched someone out and had my car towed, while at work, and on the phone to set up payment arrangement dates to get caught back up. Fast forward to XXXX, I receive a notice to withhold on XX/XX/XXXX. Prior to this, I hadn't received any communication about this debt. The amount owing is roughly 28K. After pulling the court documents, the original balance was around 7K owing, and the original judgement was entered on XX/XX/XXXX. I don't recall receiving anything about this. I also noticed on the proof of service, the address was spelled incorrectly. There are no documents before XXXX that I could view, so I had to order them. However, according to self-help civil suit division of the court, a trial and all that took place to make this official. I have moved around, have had different jobs and nothing has come up regarding this, up to the latest action of having my wages garnished until after the fact. I was directed to this website because this company had a class action lawsuit against them where they lost for unlawful possessions and unfair debt collection practices. Something needs to be done about the {$500.00} that is coming out of this check, and will be every two weeks. And their legal department is past the point of any communication, even though there were no efforts to communicate with me, assuming they were pulling my credit report to find out where I worked and lived.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I want these inquiries deleted as I did not authorize these companies to run my credit 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 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Collection account are posted on my credit from an account I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$6000.00}
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (GA)

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted Credit Bureau Systems about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kashable LLC (NY)

Today XX/XX/2022, I received a notification that my credit score went down on XXXX, I logged into my account and do not see what company had reported something on my account. So I called XXXX customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.
Consumer complaint received 2022-12-31
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)

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (HI)

This took place on XX/XX/2024. The company claiming to offer business realted to loan forgiveness was XXXX XXXX. 

I received a notice in the mail titled " FINAL NOTICE '' and explaining how I could qualify for various routes to receive student loan debt relief. The letter gave an accurate estimate of my student loan amount and also included directions on setting up an FSA ID as they mentioned it would be needed. The letter also included a phone number to call in response to the note received. I called the number on the note and the person who answered asked me to provide the BENEFIT ID # which was listed on the note at the top, and asked for available times I could be called at where someone could help me with the student loan forgiveness application. I received XXXX calls since that initial phone call I gave and kept missing them. I eventually called back and spoke to XXXX XXXX. He asked for my student loan information including the total amount and an emailed attachment showing the breakdown of my loans. He then asked about my annual income, who is included in my household, and how I file my taxes. He then followed up with someone else while I was on hold to see if I qualify for the debt forgiveness. He said I did. He then proceeded to ask me personal information as part of the forgiveness application : name, DOB, SSN, routing number, checking account number, address, and XXXX references with their address. He said that I would still receive bill statements for my loans but would not have to pay it as it will already be funded for. However, he said I do need to pay service fees to their company for about {$290.00} for the next XXXX  months. He also stated I will be charged a fee of XXXX XXXX  monthly fee for all of the documents being filled out and submitted on my behalf. He then sent me a digital copy of all of this information he collected from me and had me digitally sign and initial this document. After that, he said I would receive mail with all of the information he shared with me in written form. He also said the approval part will take XXXX weeks, but those charges would start in XXXX already.
Consumer complaint received 2023-12-10
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: Experian Information Solutions Inc. (FL)

XXXX XXXX on account ending XXXX XXXX XXXX  sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX  and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked Experian to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from XXXX XXXX  stated that this account is payed in full so there must be a glitch Experian system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Collection accounts are posted on my credit from accounts I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$7100.00}
Consumer complaint received 2021-03-21
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: Resurgent Capital Services L.P. (KY)

This company keeps overly reporting to the credit bureaus, not to mention I never authorized this company to have any of my demographics or financial information nor have I authorized any company to give or sell my information.