davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2022-02-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TN)

My Loans are all very old and the schools I went to one dissolved, and one I did not attend for greater than a month but I was charged as if I completed the program.

These Federal student loans are incorrect and you are forced to repay incorrect information with zero chance to be heard.

This caused my family to become homeless because we could not even qualify for a low income rural loan for poor people.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

Initiated a {$500.00} bill payment to Discover on XX/XX/XXXX on their app to pull from XXXX XXXX. Payment posted on XX/XX/XXXX with Discover. Was showing pending from XXXX XXXX. Payment returned some time during the night between Tues and Wed morning before I woke up. Finally got an email from Discover fri night saying your bank informed us they could not locate your account. The XXXX XXXX account has been around for several years and their bill pay has been from the same account they couldnt locate according to Discover. 
Another issue that thur. A {$400.00} bill payment to Discover over the phone from the same XXXX XXXX account was put on hold. Well another issue with giving them my money within 5 days. 
Discover is hiding behind their name and their agents canned and robotic type responses. And they make me out to be the problem? Ive never ever had a return in full of payment quite anybody unless Im returning a product. And then the hold mess too.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently discovered that there is a missing account on my credit file. This is concerning to me because my credit score is directly affected by any errors on my credit report. The missing account is for an Auto Loan I opened on XX/XX/2014 with XXXX XXXX XXXX. 
The partial account # XXXX I contacted the credit bureau to report the missing account and asked them to investigate. They told me that they would look into it and see why the account is not included in my file. I am now waiting to hear back from them and hope that they can provide an explanation and fix the mistake. I am worried that my credit score will be negatively impacted by this missing account. I am also concerned that the mistake could lead to identity theft or fraud. I will continue to monitor my credit closely and hope that this issue is resolved quickly and without any further damage to my credit score.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2018 a Western Union Money order was purchased from XXXX in the amount of {$1200.00}. The money order was written out to " XXXX XXXX at XXXX XXXX ''. On XX/XX/2018 the money order were placed in a Bright Yellow envelope, the envelope was sealed and I wrote my name, address and the complex name and address on the envelope. On XX/XX/2018 I called went online to check the status of my work order and that's when I realized my account was showing a past due balance. That same morning I called the complex and spoke to a XXXX. She informed me the money order were not received. After dealing with her unprofessional behavior I requested to speak to a manager. She refused to give me the managers name, email address or contact information. I reached out to a sister property and was able to obtain the contact information for the corporate office. I reached out to the corporate office requesting a call back, but they refused to return my call. 

I reached out to Western Union to request a stop payment. A case number was given to me. I was also advised to mail the receipts to Western Union so they could reissue the money orders to me. All of this took place on XX/XX/2018. I mailed copies of the receipts to Western Union. On XX/XX/2018 I called to confirm if the receipts were received. Agent advised me that I would need to mail the originals. The originals were mailed on XX/XX/2018 through certified mail. On XX/XX/2018 I called Western Union to see if they received the originals and the agent stated they were never received. I also reached out to my bank for some assistance with this matter and Western Union has been giving them the run around as well. 

As per the the product and tracking report from the USPS it shows XXXX XXXX received and signed for the documents on XX/XX/2018. I have been calling, mailing, emailing and faxing the same documents to Western Union and have not been able to get a resolution. I am 4 days away from being homeless because an eviction has already been processed and the court date has already passed. Can you please assist me in getting a refund? A police report has been filed. 

Please let me know if you have any questions.
Consumer complaint received 2023-03-24
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: Collection Management Holdings, LLC (FL)

I just learned about this debt when I looked at my credit report. I was never notified in writing or by phone by this collection agency. I dont know them and I dont owe them. Under the new CFPB Collection Rule, collection agencies must provide proper notification before reporting. They did not. Please remove this illegal collection.
Consumer complaint received 2022-07-09
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. (PA)

in accordance with the Fair Credit Reporting act XXXX Bank Account # 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CO)

Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.
Consumer complaint received 2021-12-06
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. (NJ)

I tried removing a XXXX bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now two attempts through equifax as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2018 I requested information on how and why my dispute was denied. I never got a response back after several more attempts to get the information. On XX/XX/2018 I called Experian again and the supervisor named XXXX said Experian the credit reporting agency will not send me a written notice that includes the name address and phone number of the information provider, clearly violating my rights under the FTC. I even explained this to her but she still refused to give me this information.
Consumer complaint received 2018-08-28
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. (NC)

XXXX and Equifax continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have a XXXX XXXXXXXX XXXX, bought from XXXX. 

In late XX/XX/XXXX, I received a notice from XXXX XXXX that I was now in a new flood zone and I would need to provide flood insurance. The later was mailed XX/XX/XXXX. 

I immediately contacted my insurer, who notified me that I would need an elevation certificate to get a reasonable rate. I contacted XXXX here in XXXX, Texas. XXXX assured me that they would come out that next day and have my certificate in a few days. 

I received the certificate about ten days later, and presented it to my insurer. The rate was not acceptable so I contacted my auto insurer XXXX. They provided me a very favorable rate and I accepted and paid for it on XX/XX/XXXX. I received the attached from FEMA that I had flood insurance.I had to wait the 30 days, but I had paid for it. 

XXXX XXXX had purchased a policy for XXXX $ per year. I informed them by certified mail and through their website and provided XXXX XXXX a copy of the insurance policy from XXXX XXXX. While making an automated payment in XX/XX/XXXX, I noted an extra XXXX $ tacked onto the payment. I didn't pay it, but paid the " minimum '' set by the computer, XXXX XXXX 

On XX/XX/XXXX, I called XXXX XXXX. I was on the phone for over an hour. I spoke with XXXX and XXXX. XXXX explained that XXXX XXXX had sent the notice our on XX/XX/XXXX, and made the first payment on XX/XX/XXXX. They received the insurance verification and refunded all but XXXX ., the first month 's payment. I explained that I had to get an elevation certificate and was working with all deliberate speed. My insurance agent said I had until XX/XX/XXXX to provide proof. While talking to XXXX, I found my copy of the FEMA Declaration that I had insurance on XX/XX/XXXX, As I was reading it, and asking why this did not mean that I had paid for coverage in XXXX, the line disconnected. 

Since I did spent over an hour on the phone to get that far, I did not call back. I did send a certified letter to XXXX XXXX with a copy of the FEMA Declaration on Friday, XX/XX/XXXX.
Consumer complaint received 2023-03-24
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (NJ)

This company has called and texted me numerous times in an attempt to collect an alleged debt. They have violated my rights as a consumer by contacting me without my written consent or the consent of a court of competent jurisdiction. That is against the law. They've also obtained my information without my consent with is infringement upon a consumer right to privacy. Furthermore, I sent them a cease and desist letter and they never responded which is violating my right to enforce my rights. This company has been very deceptive and tried taking advantage of me.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

I have been trying to get a collection paid in full for Charter Communications via a 3rd party - Amsher Collections. I did not receive any verifiable letter from AmSher about this collections and now they have given my collection The XXXX XXXX XXXX XXXX XXXX who verbally refused to send me any information on this. When speaking to an Amsher representative about this early 2022 I was informed I could go online and pay it, however, because I didn't have a letter from Amsher with an account number, I was not able to make an account to pay this debt off. 

The XXXX XXXX XXXX XXXX XXXX said they sent me a letter in XXXX- never received. 
Amsher never disclosed when they sent me a letter to dispute and refuse to send me any information because The XXXX XXXX XXXX XXXX XXXX has it, who also refuses to send me infomation. 

I owe {$120.00} to Charter Communications- or AmSher OR XXXX XXXX?
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

On XX/XX/2022, I paid my XXXX account 's debt owed to XXXX  for the amount of {$55.00} to the debt collection agency XXXX XXXX XXXXXXXX On XX/XX/2022 XXXX XXXX sent my account for the same debt amount of {$55.00} to I.C. Systems Inc. for collection. I have contacted both parties and they have refused to resolve this issue.
Consumer complaint received 2022-07-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been trying to get the loan information and verification from Service Finance Company , LLC, the mortgage company, on behalf of my clients for months now. I have mailed the registered agent via certified mail numerous times. I want to get the information so that we can avoid foreclosure as the only means to get Service Finance Company , LLC 's attention. 

Thank you, Kindly
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by Toyota. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX. and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was Toyota being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. Toyota neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of Toyota for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that Toyota is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what Toyota was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of Toyota, they will however say anything and everything to make their actions/claims appear valid.
Consumer complaint received 2022-12-16
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: FIRSTBANK PUERTO RICO (MA)

On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with First Bank PR, was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( XXXX, XXXX XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

FirstBank, after this XXXX dispute, updated both XXXX and XXXX report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both XXXX and XXXX asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that FirstBank Puerto Rico is trying to unlawfully extend the time that this account stays on my credit report and that XXXX and XXXX is not investigating my dispute correctly. 

I contacted First Bank in XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - XXXX Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of XXXX account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of XXXX payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- Letter submitted to XXXX when this information was disputed. 
- Payment history document received from First Bank in XX/XX/XXXX - Letter with response from First Bank stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from XXXX stating that the information on my credit report was correct.