davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (IL)

To whom It may concern I am filing this complaint against the credit bureau Experian. My complaint consists of Experian not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Experian credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX-XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and Experian as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my XXXX and Experian personal credit file, and I have the right to request this information, then the XXXX XXXX rep hung up. I contacted Experian numerous of times about this XXXX XXXX account that is illegally being reported on my Experian report. Experian response was that they investigated the dispute for the account, and they determined that the information is accurate. Experian is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with being said it is illegal for XXXX XXXX to continue to report this account to Experian or any other credit bureau. Experian need to remove this XXXX XXXX account from my credit file.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX, Account XXXX XXXX XXXX 

Inquiry Date & Name 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 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 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 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 15 U.S.C 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 crimes which antedates the report by more than seven years.

15 U.S.C 168s-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 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CO)

I asked for details or a XXXX report, as well as I disputed the claim with XXXX who has done NOTHING TO INVESTIGATE!! JUST PRETEND INVESTIGATE!! So I disputed again asking for FULL DETAILS AND DISCLOSURE OF EXACT DATES I HAD A CONTRACT in XXXX who is only NOW in XXXX trying to collect a fraudulent bill.
Consumer complaint received 2019-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

We understand that the credit bureaus are supposed to conduct investigations and respond with the results within 30 days. We submitted investigation requests back on XX/XX/XXXX, but we still have not received our results.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXXXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-12-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-30
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

His debt was paid in 2017 to XXXX XXXX this date still being reported to the credit companies that are saying that it still a judgment this is no longer a judgment it needs to be removed its either an ethical issue or its on just and its illegal
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Receivable Solutions, Inc. (NY)

I have applied for Financial Aid- However Paper work was reshuffled to where I do not know. 
Additionally was given signed papers to send to XXXX XXXXl attached to each and every so called unpaid bill - However those letters seems to also get misplaced at time of opening them by the billing department of XXXX XXXX XXXX I have Blocked the telephone # after I had returned a phone call ( before having gone to Legal Aide of XXXX ) However they somehow seem to have resources to access my phone anyway and commence to call several times a day Thus violating several Laws. 
My only source of income is my Social Security - And there are loads of rights that I as an older adult should have and do have This is gross abuse of an consumer
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DE)

On XX/XX/2023, I was offered a trial product from XXXX XXXX and was told to pay for shipping which amounted to {$5.00}. I contacted the company XXXX days later via phone and informed them that I will not be subscribing to their product. On XX/XX/2023, I noticed that there was a pending transition for the amount of {$75.00}. I contacted Paypal credit when the transaction was posted and still, they haven't rectified this issue.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freisem, Macon Swann & Malone LLP (GA)

I discussed with XXXX XXXX XXXX, a debt collector, from Freisem, Macon, Swann & Malone, LLP ( FMSM, LLP ) to have a settlement on my debt with XXXX XXXX XXXX. We had an agreement of {$4000.00} to settle my total amount of {$5400.00} and the attorney would help to dismiss the garnishment from XXXX Magistrate Court. However, Mr. XXXX did not inform me that he already received one of my paycheck ( amount {$460.00} ) from the Court and our agreement would include that amount. Therefore, the total amount paid was {$4400.00}, which is not our original agreement ( {$4000.00} ). I tried to contact Mr. XXXX to get the refund but the conversation did not end well, he refused my request. 
I hereby filing this complaint to ask for assistance regarding this issue since I am currently struggling with a severe financial crisis, and such collection practice from the FMSM, LLP is unethical and unprofessional. 
I confirm that the information given in this form is true, complete and accurate. I am willing to cooperate with Consumer Financial Protection Bureau on this matter. 
Thank you in advance for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

I have a loan that was previously serviced by XXXX XXXX, but was transferred to American Education Services ( AES ) in XXXX. Prior to the transfer I re-certified my Income Based Repayment ( IBR ) plan through XXXX XXXX. I received a confirmation from XXXX XXXX that my IBR application had been approved on XX/XX/XXXX ( see attachment ). Subsequently, my loan was transferred from XXXX XXXX to AES. AES sent me a letter in XX/XX/XXXX saying that if I did not re-certify my IBR plan  by a date in XX/XX/XXXX ( a date that had already passed ), interest on my loan would be capitalized and I would have a new monthly payment amount. 

I called AES immediately and was assured that the IBR application was probably not processed yet. I was asked to send my confirmation from XXXX XXXX that it had processed my IBR application. I faxed the same attachment that I have included here. Weeks passed and I did not hear from AES about whether they had fixed the problem. I called again and was told that they had located my IBR information and they would fix the problem. 

On XX/XX/XXXX, AES erroneously capitalized {$670.00} of interest on my loan and added it to the principal. It also increased my monthly payment amount from {$10.00} to {$50.00}. I again contacted customer service and was told that they were aware of the mistake and were working to fix it. Nothing happened. Eventually my payment amount was lowered to $ XXXX/month and I was told that my IBR status had been approved. However, AES did not remove the interest capitalization from XX/XX/XXXX. I called customer service again and was assured that the capitalization takes time on their end to correct but that they were aware of the problem and would fix it. 

It is now XX/XX/XXXX and nothing has been done to remove the erroneously capitalized interest from my loan. I do not relish the idea of speaking to a clueless customer service agent from AES again and going through the whole story. It has become clear that AES does not intend to do anything to address the problem. Interest was erroneously capitalized on my loan, increasing my principal balance. This is akin to theft.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-16
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. (IL)

To whom It may concern My complaint consists of Transunion not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Transunion credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to Transunion, and XXXX as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my Transunion and XXXX personal credit file, and I have the right to request this information, then the XXXX XXXX XXXX hung up. I contacted Transunion numerous of times about this XXXX XXXX account that is illegally being reported on my Transunion report. Transunion response was that they investigated the dispute for the account, and they determined that the information is accurate. Transunion is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with that being said it is illegal for XXXX XXXX to continue to report this account to Transunion or any other credit bureau. Transunion needs to remove this XXXX XXXX account from my credit file.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the  attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Federated Law Group (GA)

4 different collection companies sent demand notice ( " FEDERATED LAW GROUP, XXXX XXXX, XXXX XXXX AND XXXX XXXX '' ) for same debt that's not mine AND VIOLATES " FCBA AND FDCPA '' ... FRAUD AFFIDAVIT FILED WITH ALL " CRA ''
Consumer complaint received 2019-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Company named XXXX did a hard inquiry on my account without my permission. I called experian to dispute and they refused to do that. They said I have to call the company.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MT)

The issue centers around the process and technical issues with providing the requested mortgage insurance information and the lack of response and system failures ( human and technical ) surrounding the document submission process. 

XX/XX/XXXX - after numerous submissions of the requested proof-of-insurance documents for the structure ( HOA-managed ), the system responded that the documentation was not accepted. I called and asked about what was going on. The agent gave me an email address to send the document as an attachment, which I did. She also said she would be escalating the issue. The automated system again sent an email ( a couple of days later ) that the documentation was not accepted. 
XX/XX/XXXX - Called back to inquire about the situation ( the total call was 2.5 hours ), the agent, after checking with someone, said it was a file limit issue. The site has no built-in file-limit scripting nor even a statement as to file limits. She advised me to only submit the first 10 pages ( which seems very arbitrary ). The file/document is one I've sent previously ( annually ) without issue. 
Further, I was asked to research out and find various phone numbers that might be individuals with the insurance company who holds the Homeowner 's Association policy for the structure. The customer service was horrible and I was doing the majority of the " heavy lifting '' and legwork. The agent in the mortgage department who I ended the call and with whom I filed a second complaint about the service provided by M & T bank was flippant and laughed at the situation. My home and it's security ( financial ) is not a laughing matter. I was made to feel ( by agent 's repeated mentioning ) that the call was taking too long - yes, admittedly it was a long call, but it was necessary to try and get resolution after my call a week previous resulted in nothing ( and I received no personal ( human ) follow up after being told it was escalated- thus prompting me reaching out again a week later )
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MS)

I had a {$1500.00} tax refund advance deposited into a credit karma spend account from XXXX on XX/XX/2023. Credit Karma randomly locked my card after confirming several transactions from my virtual debit card on XX/XX/2023 and XXXX cant unlock the card and I cant get in contact with anyone from Credit Karma. Apparently this is happening across their entire network and I want my money ASAP.