davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-22
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. (GA)

My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX, XXXX showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC   complaint as well.
Consumer complaint received 2019-06-11
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 (MI)

I am waiting for a recount of my qualifying direct loan payments which count towards public student loan forgiveness. I requested the recount in XX/XX/XXXX, at which time they told me this would take a year, and it is now XX/XX/XXXX and the recount has still not been performed.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (LA)

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 an 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. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Theses are all reported improperly
Consumer complaint received 2022-09-10
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: SF VAGO, LLC (NY)

3 auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with EMVLP LLC formally known State farm. I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OH)

This another " just showed up '' collections. I never received any bill or notice and have no idea where it stems from. Attempts to call them only end with pressure to pay and can't get them to tell me the original debtor. See below screen-shot of the collections information. Thank you. 

Derogatory Account Online Collections XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX A lender or service provider reported that this account was flagged with a derogatory mark.
Consumer complaint received 2018-09-15
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. (TX)

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX declined me,XXXX fcra, same job 5 years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!! 

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - TransUnion XXXX XXXX Experian XXXX - XXXX DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXX XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed XXXX form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Received an email from a debt collector on XXXX despite my letter listing the due date as XXXX and payments have been paid to Account, hospital billed payments to two seperate providers as if I had two different XXXX XXXX XXXX XXXX XXXX XXXX on the same day, XXXX. 
Turned it over to collections after I questioned the possible fradualent charges in XXXX of XXXX. Now I am completely locked out of my billing on my chart.
Consumer complaint received 2023-07-06
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys! 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX  XXXX
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On XX/XX/19 my mortgage Fico score XXXX was a XXXX. Then on XX/XX/19 an erroneous collection account reported by XXXX XXXX, which dropped my XXXX score by XXXX points. The account has now been removed but I did not get back all of my points back. I am showing I only got back XXXX points. My score was unfairly reduced by an inaccurate reporting on my credit file which has been now corrected but the points were not updated for the mortgage score.
Consumer complaint received 2023-06-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-12
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. (LA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (GA)

I have collection on my account has been placed on my account from Professional collections. I have know knowledge of this account and I have asked them send me information regarding this account. But i have not gotten any response or a letter stating that i owe this debt. Please remove this off my my credit report.
Consumer complaint received 2024-03-02
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. (DE)

Grain has been reporting inaccurate information on my credit report across all three credit bureaus. The account must be deleted from all credit reporting agencies XXXX XXXX and Transunion because the FCRA says all accounts must report 100 % maximum accuracy the banking institution is depending on it. 

See attachments below
Consumer complaint received 2019-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XX/XX/XXXX + {$470.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$240.00} Needs Attention
Consumer complaint received 2018-09-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MA)

Our company, XXXX XXXX XXXX XXXX, made a complaint in regards to this mortgage on XX/XX/XXXX, Thursday, and we were quickly given a response back from CFPB that Ditech did not have us listed as an authorized 3rd party, which is strange seeing that we have been communicating with Ditech since XX/XX/XXXX. I called Ditech today and confirmed that we are and since XXXX, have been an authorized 3rd party. 

In XXXX XXXX XXXX and XXXX XXXX received a cancellation of debt discharge from Ditech. Their mortgage was forgiven. XXXX XXXX was involved in several lawsuits for shady loan practices and Ditech is now new owner of those loans. In XXXX Ditech issued a discharge of the mortgage debt and sent XXXX 's to XXXX and XXXX, however never sent discharges to the registry of deeds which is REQUIRED by law in Massachusetts to occur within 45 days of the forgiven debt. Per Mass.  G.L. c.184, 17B Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the per-son paying off the loan. They received full loan payoff on XX/XX/XXXX, which means a discharge should have been recorded by XX/XX/XXXX of XXXX. That never happened. XXXX and XXXX are trying to sell their home. When title was pulled the mortgage was still on title. When we called to find out why a discharge was never recorded, we were told that the debt was still due. Both XXXX and XXXX had to pay taxes on this forgiven debt in XXXX, so for Ditech to say the loan is still due makes no sense. When we pushed further, they sent us a new XXXX with no information on it.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC bank purchased BBVA and on XX/XX/XXXX stopped all access to accounts via email to accomplish the cutover by mid next week. From XX/XX/XXXX to XX/XX/XXXX I had no visibility of my accounts. I made numerous phone calls and visited the branch bank where I could at least get some info. Only by accident on XXXX XXXX, while checking my account did I see visibility of what was in each account. No email or phone call telling me it was fixed. With out my checking myself I would have never know it was fixed. It is unheard of for a major bank to XXXX up a conversion this bad. They admitted in a phone conversation that they had attempted to do the conversion with in house IT people, FIRST MISTAKE. 
SECOND MISTAKE, not providing an apology or compensation to affected customers for their screw-up. I have since removed most of my money and am contemplating closing the remaining three accounts. So far a terrible bank to do business with.
Consumer complaint received 2023-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (LA)

I graduated college in XXXX with XXXX $ in student loans. These loans were serviced by XXXX XXXX XXXX and the following payments were made on the following dates : XX/XX/XXXX - {$2500.00}, XX/XX/XXXX - {$1400.00}, XX/XX/XXXX - {$1400.00}, XXXX {$1300.00}, XX/XX/XXXX - {$1300.00}. As of XX/XX/XXXX my loans were paid in full. In XX/XX/XXXX with hopes of student loan forgiveness I requested a refund of my loans. I made this request with XXXX as my loans were transferred to them. After months of not receiving a refund and reaching out every few weeks XXXX finally informed me a check was issued but it got lost. With this information I waited a little longer but ultimately cancelled my refund request in XX/XX/XXXX as the stress was not worth it. Since XXXX, I've contacted EdFinancial multiple times to check the status of my account and I just kept being told to check back later. As of Monday XX/XX/XXXX, I still show a balance on my account despite XXXX never receiving a refund, XXXX cancelling the refund request, and XXXX not actually owing anything because my loans are fully paid off. When I reach out I am told to wait but after 5 months my balance should be correctly reflected as XXXX. With payments and interest resuming I will end up having to start paying on my loans for a second time if this is not resolved. While EdFinancial would likely refund that money, it would take 6 months to a year to get it back.
Consumer complaint received 2019-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

I bought home in XXXX XXXX 4 months the mortgage company send letter that my mortgage will increase from XXXX, .They increase payment on escrow account about {$52.00} and {$34.00} for shortage in escrow deposit account.Total {$86.00} more in monthly payment.During closing my attorney told me that mortgage can increase only when ptoperty tax went up.I have sent about 5-7 letters to mortgage company to resolve issue.I get back only one letter which nothing explain, If they wiil increase motgage every 6  month because of escrow account, my mortgage payment shortly rich point where i will not able to pay mortgage.Can you help. 
I have question .Can I make payment myself to the insurance company and property tax directly to the city with skiping an escrow account.. 
XXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for four months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by XXXX points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, NY XXXX P. XXXX F XXXX XXXX XXXX