davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX 2016 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2019-07-27
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. (WA)

I have disputes unverified items, late payments and unauthorized inquiries on my credit numerous times. Ive sent 4 notarized letters certified, and they responded 3/4 times stating that the items are mine and they have been verified but they refuse to provide the proper documentation to prove that these items are mine. As far as the inquiries Ive reach out numerous times and they just ignore it and wont respond. Im asking for something simple, exercising my right under the FCRA and they refuse to comply
Consumer complaint received 2024-03-05
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (LA)

I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). 

I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. 

Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: College Loan Corporation (CO)

Loan was paid. Complaint against XXXX XXXX, The school falsely advertised XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX was never accredited that type of XXXX, instead midway through, the cirrocumulus was changed to XXXX XXXX XXXX ...
Consumer complaint received 2018-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (MI)

I am guessing that this account was sold to XXXX XXXX XXXX, XXXX under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Consumer complaint received 2021-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax XXXX XXXX XXXX : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MS)

I was contacted by this company in regards to a medical debt. I informed the company that the debt was never sent my my health insurance. They stated they would send to my insurance. I also informed them that this was for a work related injury while in the military. Then I saw a negative report show up on my credit score from the same company that stated they would send the claim to my insurance. I contacted my insurance company and they stated they never received a claim from the creditor in their records. I then contacted the company to attempt to get them to send the claim forward and request why they did not send this to my insurance as they told me they would do. They also claimed that they did send it to my insurance even though my insurance company has no record of the claim being sent to them. They stated that another firm took over the debt and they would not help me. So, then company put a negative remark on my credit for a bill they refused to send to my insurance to get paid out for a work related injury while on military duty.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

JPM Amazon card avoided sending bills after requested and continued to charge late fees even though they were aware I was not receiving bills. It appeared deceptive and likely is a predatory practice to extract additional fees by creating confusion. I imagine many others have a similar issue so I thought it would be worthwhile to post. In my case I spoke with several managers, most recently  XXXX in Missouri who told me that, even though I was charged additional fees before receiving the bill and after complaining that I had not, Essentially leaving me no potential time to respond or written notice in any form after making them aware that I did not have access to an online account as no emails were being sent to my address. He informed me that the fees could not be waived were we simply stuck with it. I have other cards and have never had a problem making payments but it seems like 9/10 times there is a late fee that crops up with this card. I think they intentionally complicate and obfuscate as a predatory practice to extract fees that customers are unaware of. 

Notably I considered writing the company about this but figure if this is a predatory practice probably better to report it here. They also seem to be doing some strange things with reward cancellations etc ... I think someone would do well to see if the company cleaned up after the last batch of credit practices were aired.
Consumer complaint received 2016-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PHH Mortgage Services Corporation (CA)

To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out. 
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that. 
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action. 
Warmest regards XXXX XXXX
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (VT)

Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. 

Date of Unauthorized Hard Inquiry XX/XX/2017
Consumer complaint received 2018-12-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Oracle Financial Group LLC. (TX)

on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/XXXX XXXX
Consumer complaint received 2019-07-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

Intent To Sue Contacted Experian multiple times concerning XXXX XXXX and XXXX XXXX. 
Experian continues to allow these two companies to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing.

These two accounts have been removed from XXXX and XXXX because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 3.  XXXX XXXX admitted account was paid off 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Experian stated in a cfpb complaint they were investigating said account XXXX but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!.

Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.
Consumer complaint received 2019-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

I don't have an itemized explanation of the debt from the collector, However, they say that I owe {$2100.00} to a Creditor named XXXX XXXX for legal fees, cleaning, and rent which is not applicable to me. I think they are starting from XX/XX/2019 which is before the time I legally moved from the Apartment. 

The Collection agency is IQ DATA INTERNATIONAL. XXXX XXXX XXXX, XXXX, WASHINGTON XXXX. 

THE CREDITOR IS XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX CT XXXX. 

THIS CREDITOR IS SCAMMING TENANTS TO MAKE MONEY.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MEDCAH, Inc. (HI)

My paychecks are being garnished without notification. I found out that MEDCAH, Inc.Served and Shared information with a 3rd party. A party I have no relationship or ties to. They continued through court, the courts Defaulted against me, and granted my checks be garnished. The 3rd party was Served at an address I 've Never resided. The person that received the complaint ( XXXX XXXX ) also refused to sign off on the return of service.
Consumer complaint received 2018-05-23
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 a loan with XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payments on mycredit report. As you can see, I have always had a stellar payment record with these companies. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.