davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA (OH)

During the time I have been repaying my student loans, a series of late payments were added to my credit report. During the time the late payments were added I was under no obligation to pay them back as I was a full time student at the time. I tried contacting XXXX time and time again with no response. I even hired a private company to address them which after 60+ days of no response I stopped my work with the company assisting me in fixing the issue. Ive tried numerous ways to fix this issue with the company and they have done absolutely nothing!!! 3 total student loans all stating multiple late payments, when in fact there should only be one loan not 3. Ive always made my payments and some when they needed to be.
Consumer complaint received 2018-12-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mills Escrow Company (TX)

This compliant is being filed on behalf of the lender against the servicing company Mills Escrow Company in XXXX XXXX Texas. 

We have several notes being serviced at Mills Escrow Company. 

XXXX XXXX XXXX sold a note to XXXX XXXX and we notified Mills Escrow on XX/XX/2018 that the note had been sold and they already have existing accounts for XXXX XXXX so that he was going to continue having them serviced at Mills Escrow Company. 

I sent several other emails in XX/XX/XXXX and XX/XX/XXXX and as of yet they have not transferred the account continue to to send us payment when we are no longer the lender and first payment was posted in correctly making the principal balance not correct per the amortization schedule. 

We have filed a complaint on two other issues with the with the Department of Savings and Mortgage Lending but were told that they could not handle our issue we would have to file a complaint with your agency.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

I'm having issues with Experian I can not log into my account, I cant see my credit score at all!!! I even reset the account many times & have not reived any Email from Experian to reset my account to be able to log in, I used my password which is my email they are claiming I'm not registered with Experian, I have proof before this happened that the email they claim not registered is the same email Experian sent me emails numerous times in regards to my account! Experian is upset I reported them to the CFPB!!!! 
I was able to log into Experian with XXXX XXXX not anymore Experian blocked my access!!
Consumer complaint received 2022-03-07
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 submitted a dispute for 3 inquiries on my credit report. I have contacted the creditors and they are telling me to contact the car dealership but the car dealership said they can not remove a inquiry not submitted directly by them. They didnt receive authorization to run our reports with other companies. Equifax refused to investigate calling all inquiries factual records. This is not only incorrect but a violation of FCRA to not do a proper investigation of any dispute, Inquiry or account related.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

Requested a wire transfer on XX/XX/2020 from my Gemini account with a value of XXXX $ into my XX/XX/XXXX XXXX XX/XX/XXXX account. I received a message from Gemini stating the wire was completed and the XXXX $ were no longer in my Gemini account. Money has never been received in my XXXX XX/XX/XXXXaccount. Gemini has not provided a Federal reference number for the wire transfer therefore XXXX is unable to track it. Also Gemini does not have a support where I can talk to a person, it is all over email and it takes days to receive support from Gemini.
Consumer complaint received 2018-12-18
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. (GA)

I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
Consumer complaint received 2020-12-15
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. (MA)

Equifax refuses to remove inaccurate information, concerning a student account, which currently falls under the Cares Act 2020 and has since XXXX. It is reporting that I have 2 late payments. no payments have been due on this account during Covid-19. This account was closed on Monday of this week, it's now re-opened and has an extra late payment. This is my second time complaining about this. This is harassment, because I have filed complaints with CFPB. They are harassing me, even while CFPB has been made aware of all the problems, I am having with them consistently. How are they allowed to conduct business this way, while in charge of something so critical, credit reprting? 

STOP HARASSING ME, STOP ADDING INACCURATE STUDENT LOAN INFORMATION TO MY REPORT. ALL STUDENT LOAN ACCOUNTS ARE SUSPENDED CURRENTLY. XXXX!
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OpenRoad Lending (FL)

Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
Consumer complaint received 2022-03-07
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Applied for a Kohl 's store card around mid XXXX of XXXX, I never received a bill, I never received the physical card ( still to this day did not receive a card ) and the first phone call I received was months later & it was a call to say I was being sent to collections. I paid the balance in full over the phone during this call on XX/XX/XXXX in the amount of {$160.00} which covered the amount owed and the late fee/charges. It was such a small balance, obviously I wasn't try to skip out on the bill I simply never received anything about it and after a month of waiting and assuming I would receive a bill when it was due it slipped my mind. I tried to resolve this through Kohl 's and the customer representatives were extremely rude and unhelpful. After over a month from the first call ( XX/XX/XXXX ) when I realized this was on my credit, I received a letter from Kohl 's saying the information was accurate and they would not remove it even though I never received anything from them.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

CMC Loan Servicing gave me loan numbers for two of my mortgages with them when they bought my loans. I then set up automatic payments using those loan numbers. They then switched the loan numbers without giving me any notice of the change. So, my automatic payments were going to the old loan numbers. They then turned around and said I have not paid for two months. I called in and explained what happened. They assured me that they would take care of it, but did not. Then I had my bank call them and showed them proof of payments. They said they would fix it, they did not. Now I just received a Notice to Foreclose on those 2 properties. I called them back. No one returns my calls. This is by far the most horrible company I have ever done business with. My next call is to a lawyer. The one after that to all the regulatory agencies I can find to let them know what they are doing. For XXXX XXXX XXXX. XXXX, MS , the first house, the old loan number is XXXX. The new loan number is XXXX. For XXXX XXXX XXXX XXXX, MS the old loan number is XXXX. The new loan number is XXXX. The payments that according to them I did not pay are for XXXX and XXXX, but I did pay them. They have also negatively impacted my credit score because of this.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hunter Warfield Corporation Service Company dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and The XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX
Consumer complaint received 2022-06-19
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: SYNCHRONY FINANCIAL (NY)

Synchrony Bank/Pay Pal Original Creditor XXXX XXXX XXXX  This is on my credit report for years, I have disputed it several times via XXXX XXXXXXXX & phone calls to XXXX & XXXX XXXX XXXX Regardless of what information they supply it is incorrect & I have no connection to this Pay Pal account whatsoever. I have had FRAUD 3 times regarding my information on numerous occasions via my name, address, debit cards, etc... 
Please help me get this resolved asap to get this off my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act 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 2022-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One will not increase my credit limit from XXXX to XXXX, I have a XXXX credit score, am Never late on payments and I own my home and have a mortgage with XXXX XXXX. I have paid off 2 car Loans and I have less than a 4 % revolving credit.
Consumer complaint received 2018-12-18
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. (NC)

On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS Account Resolution Services is in violation of the FDCPA Section 807, codified at 15 U.S.C. Section 1692e ( 14 ). ARS Account Resolution Services is a alternate name for Healtcare Revenue Recovery Group, LLC, and the FDCPA clearly states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ... ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ''
Consumer complaint received 2018-12-18
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. (VA)

Today XX/XX/2018 I attempted to contact a human being at Experian and as in the past I was unsuccessful, even though I spent several hours in the attempt! My reason was according to a written communication I received from Experian I had requested a fraud alert. No such request was made! My information is supposed to be frozen. 


I used several sources from the Internet to attempt by virtue of multiple telephone numbers. In addition I contacted XXXX to insure my credit freeze still existed in their records and found it had been supplanted by a fraud alert issued by Experian. Additionally I contacted XXXX  and found that the fraud alert had been placed by Experian on my account there as well, but I did find that the freeze remained in place. 


I am not happy with any service I have ever requested from Experian! I would like my record expunged from these people as I believe they are not capable of securing my information! Is that possible, and can you tell me how to accomplish the task?
Consumer complaint received 2022-03-06
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. (AR)

Ive sent the 3 credit bureaus multiples complaints to show me proof that the account is mines, still no avail of them showing me. 

They still to this day continue and furnish frivolous information. 

I want this to end today, and for them to remove this account. 

I want the documents that i asked for which is my right to do so. 

If they cant provide that to you, have them to remove the negative tradeline ASAP.
Consumer complaint received 2022-03-06
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)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report