davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Farrell Holdings, LLC (TX)

I commenced an auto loan for the purchase of a 2008 XXXX XXXX in XXXX, XXXX. Per the terms of the contract, the loan was to be paid in full after 42 monthly payments, of which, the first was paid on XX/XX/XXXX. The maturity date for the auto loan was XX/XX/XXXX. Due to hardship, I fell behind on my payments and was rolling a 1x30 late. I was contacted by a representative of Prime Acceptance on XX/XX/XXXX, who advised they were willing to modify my loan. This took my monthly payment from $ XXXX/month to $ XXXX/month. The loan term would remain the same so to make this happen, Prime Acceptance promised to perform a principal balance reduction so that my loan would be paid in full as of the same date as the initial contract. When I contacted Prime Acceptance in XXXX, XXXX for payoff details, i was informed of an over {$8000.00} principal balance and that my loan would not be paid in full by XXXX if I continued to make my currently payments. When I questioned the terms of the modification, I was advised that the modification did not take place as explained to me. Currently, I have had my vehicle repossessed, which I reinstated the loan on, but I will never get the value back out of my car, and if I had known that I would in a sense, never get through paying for this car even after having paid {$19000.00}, I would have made different choices. I have looked through all my documentation and they never even disclosed to me when this loan would be paid in full post-modification. I feel that I am a victim of predatory lending and need help.
Consumer complaint received 2023-01-13
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (NJ)

In XXXX of XXXX, I took a XXXX  dollar 84 month installment loan from XXXX XXXX through Sun trust INC. I used XXXX dollars of the XXXX  loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/SUNTRUST Inc has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I am formally asking for the removal of this erroneous entry from my credit report. I did not authorize its creation or use. Enclosed are the necessary documents to support my claim. I urge you to quickly rectify this error on my credit report. I confirm that this account is not mine and strongly believe it to be fraudulent.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OK)

I sent a certified investigation letter to Convergent Outsourcing on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX Convergent sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to Convergent Outsourcing stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from XXXX stating XXXX XXXX , XXXX has placed your previously disputed account with XXXX. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from Convergent Outsourcing stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Consumer complaint received 2019-07-22
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)

I submitted a dispute to Equifax for my XXXX XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

For XXXX XXXX on my XXXX  report of being late on a payment. The account was paid in full before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX balance. 

This is affecting my ability to get loans/better interest rates.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX - Purchased a XXXX XXXX XXXX Autograph Authentic Star # XXXX Card from merchant for {$17000.00} using a XXXX credit card via XXXX. XX/XX/XXXX - Card was received and I had suspicions that the item was fake. I attempted to contact the merchant many times and he was non-responsive via email, phone, XXXX and XXXX XX/XX/XXXX - Started a dispute with XXXX. I called PayPal as well and they said I had to work through my dispute with XXXX. Paypal flat ourt refused to assist with any buyer protection and there was no option on there website to do so. XXXX to XX/XX/XXXX - Spoke to over a dozen XXXX reps, spent over 6 hours on the phone, made 30+ phone calls and uploaded 20 + documents. XXXX has provided conflicting advice many times, including whether I should return the card or not. Ultimately, they told me not to return the card and I still have the fake item in my possession. They told me to get an independent authenticator to verify the item was fake and send it with my dispute. I paid over {$100.00} to get this done in XX/XX/XXXX and the authenticator confirmed 100 % the item was fake. I did every single thing that XXXX told me to do and was denied at every turn. XX/XX/XXXX, I filed a Police Report with the XXXX, Florida Police Department. On XX/XX/XXXX, XXXX from XXXX called for the third time to again tell me my dispute was declined. They misstated that the item was purchased on XXXX. This was a direct purchase from a merchant, not purchased on XXXX. After this entire XXXX month experience, I can only conclude XXXX is the most fraudulent, dishonest and incompetent credit card provided in the United States. PayPal provided no help at all and denied me every single time I called. PayPal wouldn't even let me file a complaint.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

I pulled my credit report on annual credit report.com I sent Disputing letter in to I c systems, XXXX and XXXX stating that this information reporting is inaccurate ( dollar amount and dates ) and must be removed from my credit report which is a violation of FCRA. The Account number on XXXX XXXX dollar amount XXXX and XXXX XXXX dollar amount XXXX
Consumer complaint received 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act 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 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I've been on the PSLF program since graduating from XXXX  school in XXXX. At that time, Fed Loan Servicing took over my accounts and I've been making monthly payments ever since ( while employed at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX ). 

Fed Loan Servicing has recently made several mistakes in handling payments on my account which has required me to make no fewer than 15 calls to get straight answers and get my issue resolved. Several months ago, Fed Loan Servicing agents promised to conduct a review of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to ensure they are " qualifying '' payments. Most recently, I've tried to get answers about the status of the review ( which has been going on for months ), but I've been told that Fed Loan can not provide me with any information or even an estimated time frame when they can complete the review. As I close in on 10 years of payments, this is very distressing. This is also extremely frustrating and not the only time I have had serious issues in getting answers from them. In some cases over the past couple months, I've had agents provide incorrect information. ( For example, when the company involuntarily placed my account on " forbearance, '' they stated that it would not affect my credit score ; it did and I had to file a CFPB complaint just to get the issue resolved ). 

What I want is for the company to complete its review of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, to confirm that each of the payments have been applied to PSLF, and a final accounting of all the qualifying payments I've made over the last 9 years, because I am getting concerned that, based on past experience, the company can not be trusted to get the information correct or to do the right thing.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

I purchased an FHA home 2 years and I was told that my loan is assumable. When I contacted Rushmore loans they told me that they don't do assumable loans and that FHA doesn't do assumable loans. They called XXXX and told me that i could call XXXX and they would tell me that FHA doesn't do assumable loans. When i contacted them they said they don't know why they would say that then they gave me me FHAs phone number. I'm looking to have someone assume my loan because I'm moving out of state and I'm told they don't do that.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

I had residential mortgage loan with Ocwen Loan Servicing, LLC, Loan No. XXXX. The Loan has been paid off as of XXXX 2016. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XXXX 2016, for unknown reason, Ocwen returned one payment, even though it was the same as every prior payment on the loan. Ocwen then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to Ocwen representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. Ocwen, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with Ocwen customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, Ocwen acted capriciously in rejecting my timely payment. Ocwen once did acknowledge the error and removed the late charges. Ocwen, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). Ocwen needs to remove adverse reporting on my credit on on my wife 's credit.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2019-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (CA)

Over the phone, I had tried to get Advance Financial to stop taking automatic payments from my account ( ACH ), I was advised by a phone representative that they could not do that since they don't have payment locations in this state. I subsequently learned this was incorrect and customers can ask lenders to stop ACH ( and debit ) withdrawals. 

At least 3 days prior to a payment date of XX/XX/19, I contacted Advance Financial and advised them that I was unable to have a withdrawal from my account of {$350.00}. The representative agreed to honor my request. Yet on XX/XX/19, {$350.00} was taken via debit card from Advance Financial from my account. When I contacted them I was advised that sometimes they can not accomodate requests if someone did not meet a prior payment arrangement. I had in fact once been 3 days late and they also made a debit card withdrawal. When I told the representative that I could not feed my kids they said there was nothing they could do. I need the {$350.00} back so I can feed my kids. 

Advance Financial is a predatory lender that does not honor requests regarding payments and lies to their customers about the ability to stop ACH payments.
Consumer complaint received 2019-07-22
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)

I submitted a dispute to Equifax for my XXXX XXXX XXXX account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.
Consumer complaint received 2022-12-02
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. (AR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (PA)

For my York County Record, it says i have been confined for 90 days to 3 years than re sentenced to probation that is false i wasn't in prison at all i was on probation didnt pay my cost than re sentenced to probation. This is out of control this makes me look like a bad criminal. I wasn't ever in jail.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I initiated a credit freeze on my account. On XX/XX/XXXX a  credit card was issued by XXXX XXXX. I contacted them and advised that it was a fraudulent application and they cancelled the card. On XX/XX/XXXX an inquiry from XXXX Cardmember Services submitted an inquiry and contacted me because I have a 7 year fraud alert within my credit profile. Subsequent to that conversation I requested certain documentation regarding the inquiry and they informed me that they were able to obtain my credit information from Equifax. I have attempted to inquire as to why/how my credit information is being published when there has been a freeze on my account for 18 months. Each time I attempt to resolve this issue they tell me that the Credit Freeze Dept. can not help me because their systems are being updated and to call them back after 30 minutes. I waited 2 hours, called again, explained the entire saga to their personnel only to be told that I need to call back because their systems are being updated. 

I requested that Equifax call me back after their systems are updated so that I do not have to spend hours explaining my situation over and over, but was told that they " don't do that ''.