davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
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. (FL)

Todays Date:XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (CA)

My payments stop coming out as agreed by ACH debit on my account for no reason in accordance to their agreement. I never canceled or directed my institution to stop allowing the agreed ACH debits from my account which were to automatically withdrawn on my pay days of the XX/XX/XXXX and XX/XX/XXXX. I spoke to a rep who said there may have been a system error due to updates, etc. Payments continued and Then all of a sudden I have fraud on my XXXX XXXX XXXX account. Issue was resolved and payments were suppose to continue with my XXXX XXXX account due to previous issue of payments not coming out as agreed in accordance with the agreement. Auto payment was selected so you don't have to worry about the payments being made and it was encouraged that if you can make more payments it can pay down your principle faster according to XXXX XXXX. As I free up a little cash I assumed when I log in to make a payment it's just an extra payment being made. I made a couple payments recently with my debit card. I have had several issues with XXXX XXXX correctly taking my payments and I am met with attitude and unprofessional reps. Recently I get notified by XXXX that my account with XXXX XXXX is Delinquent 30/60/90 days. I have gave the rep my XXXX XXXX information back in XXXX. I never received a call, voice mail, email, or US Mail correspondence that I was past due let alone going into delinquent status. The last email received was in XXXX! Every account on my credit report has been in good standing for years without 1 late pay and this inaccurate reporting of my account dropped my credit score 60 points. I did everything I was suppose to do under the FCRA, yet XXXX XXXX never notified me or gave me a chance to rectify any issue. I can not fix or put attention to nothing I haven't been made aware of.
Consumer complaint received 2022-10-20
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-12-10
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. (FL)

Todays Date:XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX   XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit  repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC (IN)

XXXX XXXX is attempting to collect on a debt from the original creditor XXXX XXXX. I never signed for up for XXXX XXXX in my name. XXXX XXXX has been collecting for such a long time, that I went ahead and added this to my Bankruptcy, docket # XXXX. They are reporting a balance, and that is in violation of the Bankruptcy law and FCRA.
Consumer complaint received 2022-02-11
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: Verisk Analytics Inc (IL)

Verisk FinancialXXXX XXXX is providing bankruptcy information on my consumer report that was obtained by violating multiple consumer rights. I attached a letter from the US Bankruptcy court, that states that they do not provide information to any consumer reporting agency. 
Verisk FinancialXXXX has violated my consumer right to privacy, Permissible Purpose ( 15USC 1681B2 ), and violated 15USC 1681A-e ( Investigative Consumer Report ).
Consumer complaint received 2021-11-23
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)

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Consumer complaint received 2018-04-23
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. (MI)

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

This law firm with the name Mary Jane & Elliott are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in XX/XX/2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

For the past ten years, I've made the biggest mistake of ever attending XXXX   due to a suggestion of going there to finish my XXXX  and get an XXXX XXXX degree. I attended one semester, and realized that the school wasn't true to it's mission when I was forced to take out student loan after student loan, while taking classes that had nothing to do with what I wanted to major.

I left XXXX  one semester after, and transferred to a XXXX  college. XXXX had other plans to damage me unfortunately. I couldn't get any credits transferred to a XXXX XXXX college I went to, so I started from the beginning. No sweat, only one semester of work but still was some good core classes. The loan providers of XXXX wanted to start taking money out of me, threatening me with all sorts of actions. This forced me to take a break from school to work and make some money to repay that.

The final coffin was transferring to a four year, because after I submit my application, I was left in limbo with no words or anything. Was told to re-apply a year later, a ton of fake excuses, and all this while still XXXX 's many loans wanted to linger and damage me even more.

HESC ( where my loan currently is ) has tried plenty of times to garnish my wages, to have me pay MUCH more than what I can even currently budget for. Refuses to ever work with me, and pretty much has destroyed every aspect of my life credit/money wise.

All this while I just heard that XXXX closed it's doors, yet I'm stuck paying so much money cause the school claims I was there for a full year which is a huge lie.

I really don't know what to expect from this, I've pretty much given up. But it still leaves a huge bad taste in my mouth knowing I never had a traditionally college experience due to my mis-education while trying to receive an education.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from XXXX XXXX XXXX was reported as a new collection. 

The derogatory information shows as coming from Radius Global Solution as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from XXXX XXXX XXXX Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/XXXX, I called both XXXX XXXX and Radius Global and  each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Parties : Ocwen LLC and XXXX XXXX XXXX. 
Jurisdiction : California Issue : Ocwen/XXXX XXXX cancelled my HAMP modification agreement, a program regulated by the U.S. Treasury and HUD that expired in XX/XX/2016. 
************* Background : I applied for a HAMP Loan Modification in XX/XX/2016. 
Ocwen approved my application and sent the HAMP Agreement for signature after I had met the required trial payments. I signed and returned the Agreement to Ocwen in their own postage-paid envelope, completing the HAMP modification process. 

I made 3 additional monthly payments on my modified mortgage. Then in XX/XX/2016 Ocwen cancelled the HAMP Agreement citing bogus reasons that they had not received the signed agreement. I sent them my copy of the signed agreement but Ocwen refused to recognize we had concluded a contractual performance and had a binding agreement. 

Ocwen then refused to apply the 3 mortgage payments to my account that were made post the modification period and suspended those payments into a " Suspense account ''. Ocwen also refused to accept any subsequent mortgage payments and began foreclosure on my property. 

In conclusion : I applied to the HAMP program and Ocwen offered to modify the loan, I accepted the terms of the modification and made the required trial payments timely ; Ocwen accepted and received the trial payments and credited my account. Ocwen sent a written HAMP agreement for my signature and I signed it and returned it in their own envelope as instructed. We had an offer, consideration, acceptance and performance of the terms of the HAMP modification. 

Ocwen sent a letter dated XX/XX/2016 stating that the modification had been " Denied '' the use of this language is inapplicable because the modification had been accepted and fully performed and the event had concluded and therefore it could not be " Denied '' after all the terms had been performed timely and accepted by Ocwen and myself. The letter used the term " Denied '' to communicate that they were CANCELLING the HAMP contract. 

Ocwen continued to misapply language by using term " Denied '' and did not answer the question that their actions may have breached a HAMP contract. The terminology Ocwen uses hides the existence of the binding HAMP Agreement. Ocwen has not corrected this problem and has not stopped foreclosure proceedings on my property ; if they succeed in foreclosing they would by fraud be civil theft as I have more than 50 % of the mortgage is paid on my the home. 

Ocwen and XXXX XXXX have a prior history of these actions ; under the then Attorney General of CA, the Honorable XXXX XXXX, they were suspended from doing business in California. 

Ocwen and XXXX XXXX and XXXXXXXX XXXX XXXX  conduct of wrongdoing has caused me substantial economic harm and put the welfare of my family in jeopardy.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit XXXX is falsely reporting the above credit card, I have tried disputing it with XXXX however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WI)

XXXXXXXX XXXX 2payments of XXXX Was selling item was contacted by scammer To use XXXX where he overpaid and I sent him back the money but his was never sent Yes it was stupid on my part I contacted and made complaint with XXXX And also my bank BMO Harris Bank Within in 30 minutes of transactions Have never heard back from either If the Bank promotes use of the XXXX app But does not disclose the risks or scams Are they not accountable I did shut down the app XXXX
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

We were sued by our neighbor for adverse possession, Freedom Mortgage chose to hire an attorney to protect their interest, they added the attorney 's fees onto our XX/XX/XXXX payment. We did not approve this fee and do not think we should pay it. They refused to remove it.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

On XX/XX/XXXX I sent the following letter to Ability Recovery Services disputing a collection account that showed on my credit report for a debt that I did not recognize. 

XX/XX/XXXX ATTN : ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX XXXX  XXXX Re : XXXX Dear Ability Recovery Services, I am responding to a collection notice from your company that is reflected on my XXXX credit report. 
I do not recognize this claim and do not believe I am responsible for this debt. Please provide me with written documentation via mail at the address below to validate this purported debt : An itemized statement showing the amount you claim I owe. 
A copy of the written agreement or contract I signed relating to this purported debt. 
Proof of the last action taken on the account. 
Proof that you are licensed in the state of XXXX to pursue this debt. 

Kindly suspend all further collection activity until you are able to validate the above-referenced claim. 

Thank you. I will await your reply. 
SINCERELY, The letter was sent via certified mail and receipt was confirmed on XX/XX/XXXX. In response, Ability Recovery Service sent a photocopy of a letter dated XX/XX/XXXX that stated : As per your correspondence, please find the information that you have requested. After reviewing please contact me at ( XXXX ) XXXX. '' The second page included a print out of an online college application. There was nothing that showed that I had any type of monetary account, no proof that the debt existed, and no itemized information on the activities they have taken on my account. In fact, there was nothing dated within the receipt time frame requested in my XXXX letter. I also disputed the collection account with XXXX. 

Instead of removing the debt after failing to provide the information to validate the debt, they reported the debt again with XXXX. I was told that I would need to file a new dispute from XXXX in order to have the duplicate account removed. Presently, I have not received a response dated within 30 days of when my letter was sent.
Consumer complaint received 2022-10-20
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: United Shore Financial Services, LLC (CA)

I SINCERELY APPRECIATE UNITED WHOLESALE MORTGAGE 'S GRACE TO REVISE MY CREDIT REPORT BY DELETING THE LATE PAYMENT. HOWEVER, IT HAS BEEN MORE THAN 30 DAYS AND THE REVISION HASN'T TAKEN PLACE YET. PLEASE ESCALATE THIS MATTER TO BE REVISED WITH THE CREDIT BUREAUS ASAP PLEASE. I ATTACHED THE PREVIOUS RESPONSE FROM UWM JUST IN CASE. PLEASE SEE THE LAST 2 PARAGRAPHS. THANKS,