davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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. (IN)

THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND THEIR COLLECTION AGENCY ( XXXX XXXX XXXX VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Consumer complaint received 2021-04-13
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: Consolidated Recovery Group, LLC (FL)

Consolidated Recovery is reporting an old business debt on my personal credit report. I am no longer affiliated with the company that owes the debt. The business was incorporated and the debt belongs to the business and not on my personal credit report. 
FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' A business in which I was associated is not consumer information of a personal, family, or household purpose, and does not meet the FCRA definition of consumer credit reporting.
Consumer complaint received 2017-11-16
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: Capio Partners, LLC (FL)

Capio Partners XXXX XXXX XXXX XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have been paying my subsidized and unsubsidized student loans for 19 yrs. I have not missed a payment. I am currently unemployed. I applied for IDR and PSLF after visiting FSA and seeing that I qualified for both. To apply for the PSLF I was required to apply for consolidation to insure accredited payments are applied evenly. I think XX/XX/XXXX was the date I applied. I received letters in the mail stating I was placed in forbearance pending determination for both programs. For IDR, I selected the SAVE plan because it had the lowest monthly rate and taxable payoff amount. On my loan servicer page, XXXX XXXX it stated my IDR would be serviced there. On the FSA site, it stated my automatically approved applications for PSLF needed to be forwarded to XXXX. I FAX the applications and my financial information to XXXX. I was warned that interest would be added to the loan if it wasnt paid during forbearance, but I couldnt reach anyone. FSA referred me to my servicer. XXXX was transferring accounts to its new name XXXX and XXXX did not have me in their system. Meanwhile, no one is taking live calls. I finally get a letter from XXXX stating I had a new loan, which was not for the monthly amount FSA said I qualified for under XXXX. XXXX shows I am not qualified for IDR or PSLF, but FSA still has my applications pending review. I finally get XXXX on the phone, I learn that they received my IDR and PSLF which are pending review, BUT my 19 yrs of payments, XXXX of them are gone! They reset my loan, added another XXXX to my payoff and set a payoff date in XXXX! My original payoff date was XXXX! My initial loan was just XXXX at graduation, ballooned to XXXX during my 3 month grace period and had an estimated final payoff of over XXXX, which as you can see I was close to paying off. Nowhere in this process did I read anything that stated that I would lose credit for all the years I have been paying by applying for these programs. The association for XXXX who was new, but very helpful stated that the XXXX payments they assigned me would be adjusted, but unless I qualified for immediate forgiveness, doing this hurt me rather than helped. I remember reading on the FSA site that these programs are designed to help individuals pay off their loans sooner. This is restarting my loan over. I also remember reading that I would have an opportunity to decided if I wanted to utilize the program or stay with the payments I was making. Im furious and disappointed. I needed help, so I applied hoping for a better solution.giving me more debt and dragging out my payments is not what was expected.
Consumer complaint received 2022-07-26
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. (FL)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 

XXXX XXXX
Consumer complaint received 2022-07-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 


XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AR)

I received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (DE)

Sent money in the amount of {$10000.00} to daughter using PayPal on XX/XX/2018. Transaction number XXXX. My bank shows that money was withdrawn by Paypal and PayPal shows pending on an echeck send but no funds were ever received by my daughter and PayPal can't seem to answer where the money is. It's been 10 days and I would like the transaction canceled and the funds returned.
Consumer complaint received 2018-11-19
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.
Consumer complaint received 2018-09-12
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. (TX)

My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (VA)

I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had signed up for a trial of XXXX XXXX Premium service on XX/XX/2018. I had cancelled the Premium service on XX/XX/2018, before I was to start being charged, but the cancellation apparently didn't go through, because I was billed for the service from XX/XX/XXXX through XX/XX/XXXX for {$29.00} a month. I became aware of the charges, that I did not authorize, nor would have authorized on XX/XX/XXXX, and went back to XXXX to check on the matter, and saw that my XX/XX/XXXX cancellation didn't go through, so I pressed to cancel again. I never got a cancellation conformation email for either XX/XX/XXXX nor XX/XX/XXXX. 

I called XXXX on the matter, but the only item on the menu for the phone number I had for them was the address to their campus, so I called Bank of America Money Network on XX/XX/XXXX to dispute the charges. I gave them the information I had, filled out the dispute forms they sent me, then faxed them back. I just got a letter back from Money Network that they were denying my claim.
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX and Transunion for {$530.00} form XXXX XXXX XXXX on XXXX XXXX,2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
Consumer complaint received 2022-07-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 


XXXX XXXX
Consumer complaint received 2022-07-26
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. (NV)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2022-07-26
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. (NV)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-26
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. (NV)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I filled out a dispute for XXXX XXXX. This company has sold account several times. I am dispute do to they don't have the write year posted that XXXX stated put the account in collection they XXXX. This account is older than that I want to be removed from my record. I believe that this account has been in collection for 6 to 7 years. the company over charge me add over XXXX XXXX This is much more than owned them when I left the company. I was behind three months they razing my bill to point I couldn't afford it. I living by myself they was billing me over XXXX $ a month. This come out to XXXX $ I just don't see where they coming up with {$2000.00} for a phone service. I refuse to pay that much. I on limit income. I just can't afford that much. XXXX XXXX will not work with me.
Consumer complaint received 2023-07-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

XXXX can not close CD Supposedly because of some computer glitch. This has been going on for 3 days and no resolution in site. Also, they never contact me of any updates. On the third day after repeated calls they finally put in a research report to fix the problem. Why they didn't do that 2 days ago, don't know? If I didn't repeatedly call, would they have done anything. What a terrible consumer relationship problem.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

According to the Homeowner 's Protection Act the PMI I am being charged on my mortgage loan was supposed to automatically stop when my mortgage reached 78 %. According to my mortgage company, my mortgage is now at 75.4 %, yet I am still being charged PMI. I have emailed them twice to have this removed but they have not complied. They did send me a notice requesting I get an appraisal on the property once, but I understand the LTV is supposed to be based on the original value of my property, not the current appraised value. No appraisal should be required at this point. The Homeowner 's Protection Act defines the original value as the value when my loan originated. The mortgage company already has that figure as they show it on my online account. I did not receive a response from the mortgage company on my second request.