davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (UT)

Credit Service CO is reporting on my credit and attempting to collect on a debt that is erroneous and past the statute of limitations. 
This debt is from 2011 and I am a XXXX I was in a XXXX XXXX XXXX and had to go to the hospital. So for one this debt was covered under workers comp! For 2 it is past the statute of limitations in UT.

Last, they are in violation of the FCRA for continuing to update the LAST ACTIVE date. The LAST ACTIVE date is when payments are being made. So they continue to update this date monthly which will keep this erroneous debt on my credit report. 
They are obviously in violation and if they do not fix this then the next correspondence will be from my attorney. I XXXX XXXX for a living and these guys harass me for years on a debt that was paid and is old. Someone needs to do something about this.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX  XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable! 
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (MS)

I have sent XXXX XXXX XXXX XXXX several certified letters and their representatives have not replied to any of my request for validation. I sent certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.
Consumer complaint received 2018-12-11
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. (TN)

XX/XX/XXXX I contacted XXXX- ( XXXX XXXX XXXX XXXX ) about my discharged student loan account being reported incorrectly. XXXX then sent a electronic deletion request to Equifax to delete the 2 trade lines from my Equifax report. After submitting I contact Equifax on the status of the request on the XX/XX/XXXX and  was told request was request was received but account were only updated to XXXX balance and paid collections. I then Contacted XXXX again the XX/XX/XXXX and informed them of the accounts where not deleted. Another electronic request was sebt by XXXX on XX/XX/XXXX to  delete the trade lines and again request was ignored. I then faxed into Equifax the letter of deletion request XXXX sent to me to Equifax son XX/XX/2018 and again equifax ignored the request. XXXX has sent 2 request on XX/XX/XXXX and XX/XX/XXXX to equifax to delete the trade line. As of XX/XX/2018 both XXXX trade lines Account # XXXX remain on my Credit report.
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (OR)

I took out a loan with XXXX Loans on XX/XX/18 for {$500.00}. I have since paid a total of {$560.00} ( {$81.00} every week ). After paying more than the amount of the loan I was informed that the payoff amount is {$500.00}, more than the cost if the loan I originally took out!
Consumer complaint received 2018-04-24
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: AES/PHEAA (NJ)

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information that appears on my credit report from XX/XX/2022 : INQUIRY : XXXX XXXX BANK XXXX XXXX XX/XX/2022 INQUIRY : XXXX CARD DATE : XX/XX/2022 According to the Fair Credit Reporting Act, ( XXXX ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please reinvestigate these matters and delete or correct the disputed information within 30 days from today, XX/XX/2022. Thank you for your assistance.
Consumer complaint received 2022-06-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding Portfolio recovery. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.
Consumer complaint received 2018-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I applied for loss mitigation on or around XX/XX/2018. I had to have XXXX XXXX in XX/XX/2018. Loancare continued to tell me I had missing loss mitigation documents which wasn't true. I sent in via email the documents over and over again. Finally at the end of XXXX i received a payment plan to pay off past due and current. I contacted Loancare via phone and email numerous times to explain that my doctor wanted my XXXX to extend to XX/XX/2018 and if my payment could be modified. I never received a call back nor did I receive an email. Comes XXXX finally someone at loancare via phone says they would send me a request for an extension form. Still nothing! On XX/XX/2018 I receive a letter via mail stating my home is in pre foreclosure. Today XX/XX/2018 I sent in another loss mitigation this time along with a letter explaining all the above. I sent a certified letter as I was advised to do by a lawyer. The main thing is ... The lack of communication with customer service not responding correctly can now cost me to loose my house? So not fair!
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I just opened a account a few months ago. I never received a bill/statement for the {$50.00} annual fee. I did receive my card but never activated it. The company closed it with out notice and will not reactive. Was told just to reapply. Was also told that I never paid their fee. When I call they told me I should have received a paper statement as well as a phone call. Which of course I have never received. I have not missed a payment on any of my cards in 16 years. I have another account with Chase and I have never missed a payment or been late. It is very unlikely that I would have not paid this account if I would have received a statement of some type Yet, they are refusing to activate the account, even when I offered to pay the annual fee same day as well as the their " late '' fees that accrued. They will only reactive if it was a bank error which I believe that it is. Chase refused to work with me on my accounts.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2018 Chase Bank N.A . sent me a letter notifying the closure of my Brokerage Account ending ... XXXX. I never received the letter in my mailing address. By sheer luck I got word of this and on XX/XX/XXXX. I called XXXX XXXX XXXX ( XXXX ) in order to request by email a copy of the original letter ( which basically said that my account was going to be closed by XX/XX/XXXX. and that I had to call the XXXX number to get further instructions ) and obtain the proper closing and transfer instructions of my money. I requested the XXXX operator XXXX XXXX to send me the same oral instructions she was giving me over the phone by email, which she did. 

One step of such written instructions in XXXX XXXX 's email required to have my signature notarized at the local XXXX XXXX ( I do not live in the XXXX ) which I did, at a cost of {$50.00}. I then sent Chase by Secure Mail the transfer order with the notarized signature and the required attachments. 

On XX/XX/XXXX. I received a call from XXXX, operator XXXX XXXX, to let me know that all they needed was my oral instruction ( over the phone ) to transfer the balance of my investment account to my Chase linked account from which I could then set up the external transfer using my Online banking service. XXXX XXXX notified me that no notarized signature was required and that the previous operator made a mistake. 

On XX/XX/XXXX. I sent an email to XXXX claiming the refund of the {$50.00} I paid for a useless notarization. The email was sent to operator XXXX XXXX ( remember she gave me the wrong written information ) and to the Executive Director who signed the XX/XX/XXXX. letter., XXXX XXXX . 

On XX/XX/XXXX. I received an email from XXXX XXXX stating that Chase only refunds fees charged by Chase. The Executive Director did not even acknowledge receipt of my several mails. An email I sent on XX/XX/XXXX. was replied on XX/XX/XXXX. saying that my complaint was escalated to the Executive Team of XXXX XXXX XXXX. 

I sent three email reminders since XX/XX/XXXX. with no reply up to this day, XX/XX/XXXX. 

This recap is fully verifiable through the email string kept in my files and attached below. 

It is distressing and frustrating that Chase deny me a {$50.00} refund, if the bank seriously overviewed the chain of events they will determine that they are 100 % at fault. Chase must assume full responsibility and execute the refund to my checking account ending ... XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (IL)

I am being charged principal and interest for a loan and I have not graduated yet. I am still in school and this loan should not come due until after I graduate. I talked with the Conduent people several times and they have my graduation date incorrect. They said it was the college that had the incorrect date. I spoke with the collage several times and this is not the case. My father has been making payments so I do not get charged late fees or get poor credit reported. 
This company seems very suspect in their practices.
Consumer complaint received 2018-12-11
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)

I have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XX/XX/XXXX. 

In XX/XX/XXXX, when XXXX XXXX XXXX  XXXX reported my Mastercard account to XXXX, Equifax and XXXX   for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with Equifax, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX   report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX / XXXX XXXX XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX  XXXX. I also filed disputes with XXXX and Equifax. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
Consumer complaint received 2018-04-11
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have just received a response from your company as a result of an investigation for the second time. As I stated before this account was deleted from XXXX as unverified but still remains on XXXX and XXXX from your company. As a result from the last dispute you sent me a document with a name and a balance which is unacceptable! As I mentioned this account is unknown to me please send me a signed document with my signature on it as validation. If documents can not be provided I will take legal action for all unverified accounts! Like I stated before I've been contacting your company numerous of times about this account and still all of the above was unverified or validated. If there's no document showing that I signed or verbally agreed to this account please remove it. All previous disputes and responses has been saved for my records and will be proven in court as a violation of the Fair Credit Reporting Act 609. ACCOUNT XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I found a previous complaint regarding the reporting of XXXXXXXX XXXX  corporations fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Consumer complaint received 2022-06-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I sold a rental property and closed XX/XX/XXXX of 2022. The bank 's yield maintenance fee was 3 times the amount I anticipated. I emailed my rep and asked her why this amount of {$36000.00}. In our emails it became apparent the bank was using 10 years to figure out my yield maintenance fee rather than 5 years which I always had believed. I had approximately one year left for the 5 year anniversary. She told me the numbers were correct after providing some calculations. When I read the mortgage note I found the wording vague confusing and convoluted and tailored for the bank 's advantage. They charged me XXXX on a loan of {$240000.00} with a balance of {$220000.00}
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX. 


Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this. 

I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX  not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX. 

I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX   as positive feedback.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (NY)

I Am having A Problem With Experience Credit Report Agency With Something About XXXX Showing On My Experience Consumer Report please help me with this problem XXXX XXXX  Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My Experian Report Please Help me with this
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting act 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