davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX & XXXX : XXXX XXXX XXXX COLLECTIONS : XXXX # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Specialty Clothing Store   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : XXXX  # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

CITI CARDS/CBNA - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

After sending a Notarized Affidavit of Validity, Midland Funding failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with midland funding, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I sent this in a month ago, no reply Your XX/XX/XXXX letter Chase makes everything so CONFUSING by rebill, credit, rebill credit which obsfucate my search Here facts : please explain : My original request I was billed XXXX $ TWICE by merchant Here is result of chase statement entries : XX/XX/XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I sent a dispute to Equifax regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/2021 stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well XXXX also contacted the court and they informed me that they did not report to any credit bureaus.
Consumer complaint received 2024-03-09
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. (FL)

I have been in and out of hospitals and rehabilitation facilities for the past XXXX  years due to a severe auto accident. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Mortgage processor ( Shellpoint ) is escrowing for taxes and insurance. They missed a tax payment, and I contacted them today. They told me they acknowledge a payment was due but they did not pay it. They did not offer an explanation or a path to resolution. XXXX is contacting me for delinquent tax payment.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I had my identity stolen in XX/XX/2019. I filed a police report and followed all the outlines practices to lock my credit. I am now trying to lease a new car and Equifax will not unlock my credit for XXXX XXXX to approve my lease. They are telling me I have to send via US Mail / FAX and they will get back to me in 5-7 business days. They won't accept an email of a text message, which both can be traced back to my personal IP address or ANI information, but instead they select two communication mediums that are not very secure. I escalated several levels at their call center and they all read the same statement and would not help even thought they sent me my Credit Report a few days ago and I had it in front of me and could answer any / all questions. Now I'm a victim for a second time ...
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
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. (AR)

I pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX  XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

As a recap from my last complaint, my loan modification was approved and then taking away due to a payment that was authorized for me to submit upon receiving the loan papers. According to XXXX with PHH mortgage, he advised me I could submit my first payment once I received the loan modification approved papers. Well, I didn't receive the loan modification papers until after the due date which made my first payment late and in results PHH pulled my loan modification from me. I advised them to pull the phone call with XXXX and myself conversation indicating it was still okay to submit payment although it was past the deadline. 

PHH mortgage apologized for error and said they will give me another loan modification. As of today I have not received a modification or any other offers and PHH mortgage have started foreclosing procedures. According to the letter I recieved dated XX/XX/2019 they were considering me for a loan modification and advised me there was nothing for me to do while they're looking into my loan modification. PHH mortgage said they will not consider any foreclosure proceedings and there will not be any mortgage late payments reported to credit bureaus while the loan modification was being considered. Well, PHH lied! I received foreclosure letters while they were considering me for the loan modification and PHH mortgage also where reporting late payments to the credit bureaus. 

I have attached corresponding letters to support my complaint. 

Please help me save my home! I'm not sure why they haven't listen to the phone conversation between XXXX and myself discussing the loan modification. This will surely clear up the error on their end.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

Requests for method of verification of bankruptcy listed on my credit report were sent to Experian on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. As of yet, I have not received any description of the method used to verify this account nor who verified this account. 

It has been 7 months and Experian has denied me my right as a consumer to copies of documentation associated with this public record. 

Experian is in violation of section 609 ( a ) ( 1 ) ( a ) of the Federal Credit Reporting Act. Under this law, Experian is REQUIRED to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. You leave your consumers vulnerable to fraudulent adn erroneous information being reported on their credit reports when you do not follow protocol set forth by the FCRA. 

Experian has failed me as a credit reporting agency. At this point, it is doubtful that you have completed an acutal investigation otherwise I would expect that I'd have the documentation that I not only requested but what is owed to me as a consumer.
Consumer complaint received 2020-02-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

My XXXX XXXXXXXX XXXX is reporting me 30 days late for XXXX when my XXXX payment is not due until XX/XX/XXXX. I have scheduled a payment for this Friday and they refused to correct the reporting. Im technically not late until the XXXX. Their phone number is XXXX. My name is XXXX XXXX XXXX and my phone number is XXXX. I am in a situation where they dropped my credit reporting XXXX points due to this and accuracy and the timing couldnt be worse Im in the midst of trying to purchase a new vehicle due to a theft of my vehicle etc. please help thank you
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Back in XXXX, I noticed on my TransUnion consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. So, on XX/XX/XXXX I sent TransUnion my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. 

TransUnion responded with a letter dated XX/XX/2021 saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for TransUnion to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XX/XX/2021 I sent a second letter to TransUnion showing them proof that the U.S. bankruptcy court did not verify any information with them, so TransUnion is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. This is a pure violation of my consumer rights. I did not and still do not consent for TransUnion to use the E-Oscar system to " verify '' information, which is what they are doing.
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Recovery Specialists, Inc. (KS)

I have repeatedly contacted this company via e-mail in order to pay a debt placed by XXXX XXXX XXXX. Once I determined that I owed the debt, since the original bill they sent me was unclear, I contacted them on XXXX/XXXX/2015 requesting that if I pay the debt in full that they remove the account from my credit bureau. When I did n't hear back from them, I contacted them again on XXXX/XXXX/2015 by e-mail. Again, when I did n't hear from them, I contacted them on XXXX/XXXX/2015 with a final request. In this request, I stated if they did not address my request that I would need to turn the problem over to the Consumer Financial Protection Bureau and the XXXX. This should be an easy request to address. Moreover, they should feel fortunate that I am paying this to begin with, because the physician at XXXX XXXX XXXX is overbilling me considering the services he provided. He saw me for about XXXX minutes, did n't run correct tests, and sent me away with medication that did n't even work for my problem. The hospital initially billed by insurance provider almost {$500.00} for his services, and they state I owe about {$250.00} of it despite paying my {$300.00} deductible at the time of service. The total bill was well over $ 3k. And when they billed me, they did n't even bill me correctly. They stated it was for XXXX services rather than physician services, which lead me to believe I had already paid the bill with the deductible. When they finally cleared it up, they placed it with a collection agency before I had the opportunity to pay it and failed to send me notification that stated they were going to place it with an agency. Then, when the collection agency initially billed me, they stated it was for the ER visit rather than disclosing the physician 's visit. Confusing to say the least.