davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I sent out information regarding inaccurate items listed on my report to follow up a complaint that was made about 30 days ago and to my knowledge hadnt been addressed, this wasted time that the company is stalling and is hurting my life as well as destroying my credibility for credit i want these negative items removed from my credit report. Below are the letters I sent explaining that the accounts listed did not come from me as well as the documents that was removed that did not pertain to me on my report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Trans world has listed a medical debt of {$2000.00} on my credit report. I have no knowledge of owing Transworld and have never heard of this company. I have no knowledge of this debt. I have no contract with this company. They have listed this collection account on my credit report falsely.
Consumer complaint received 2016-11-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

I have contacted American Education Success ( AES XXXX my servicer of my private XXXX student loan several times since XX/XX/2016 regarding my employment status. I became under employed in XX/XX/2016 and told AES I would not be able to make my payments in a lump sum, but I could make smaller weekly payments via my unemployment and miscellaneous temp jobs. I was told every time " we do not do that '' and " I am sorry we ca n't help ''. Today I received a notice for XXXX that stated my payments for AES/XXXX were 30 days past due, which is not true. I pay a small portion almost every week. 

Yet I still get calls from the collection agency ( which I had to block ) and they are single handedly ruining my credit score. 

My federal loans, and all the other companies I have regular payments to like XXXX understand economic and financial hardship, they work with you, especially when you are still making payments. 

AES/XXXX are honestly just ... .XXXX. It ridiculous there is not some concessions made for those like myself who are still make regular payments and are trying to maintain a good financial standing.
Consumer complaint received 2020-11-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group (FL)

The Ascendium loans and the XXXX loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The XXXX and Ascendium loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies XXXX and Ascendium who are subsequently and wrongfully reporting.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (MS)

I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.
Consumer complaint received 2020-11-08
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. (IN)

Complaint is against Experian for credit report errors and for they are still billing me for closed Experian account : 1. XXXX XXXX shows corrected balance dispute resolution on the dispute request page, yet still shows the XX/XX/2020 balance of over {$5000.00} on the credit report. This must be corrected and correct the FICO score.

2. XXXX XXXX detail on the dispute request page shows not late per previous dispute resolution yet still shows late on the credit report, and summary shows one late account payment - XXXX was the only one showing a late payment. This has led to at least 8 auto loan refusals and a higher interest rate when a creditor approved the loan.

3. I am still getting billed every month even though Experian account was canceled. Only available phone number does not allow correction no matter what number I press, all go to reset password or hang up each time on each of many attempts. They need to stop billing me. 
4. There are many creditors that are closed and paid accounts are showing on my account. I know I had requested those over 7 years old be removed several times.
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

This complaint is against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for which there is already a Consent Order on file by your office. 

PRA obtained a judgment against XXXX in XXXX for a XXXX credit card account that was closed in XXXX. There was a subsequent appeal as the District Court did not allow XXXX to present evidence of his payments though a credit counseling service or present evidence that the statute of limitations had expired. The appellate court let the judgment stand. 

The ten-year old Judgment expired in XX/XX/XXXX and PRA did not collect due to en exemption. Now, 20 years after the junk debt was purchased by PRA they filed suit a second time and entered a new judgment for additional amounts owed. They have also threatened garnishment. 

Subsequent to the lost appeal in XXXX - XXXX was noticed in a class action suit ( i.e.XXXX ) that the Affidavits used by PRA ( XXXX XXXX ) were fake and similar to XXXX/XXXX affidavits used in the class action and the notary public was the same as in that case.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX IQ DATA INTERNATIONAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious IQ DATA INTERNATIONAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( XXXX, XXXX, and Equifax ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, XXXX, and Equifax have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting XXXX and Equifax to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that XXXX and Equifax acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. Thank you.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed this item on XX/XX/2022 but the bureaus did not remove it or prove validation. 

Sec. 602 I have a right to privacy. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (MI)

This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: Opportunity Financial, LLC (TN)

I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank Of America ( BoA ) account was in very good standing in terms of credit limit before the Covid pandemic crisis. My credit line then was {$9000.00} with an offer of 0 % Apr for 18 months. I reached a balance of almost {$4000.00} which I tried to pay off every month with my monthly payments of around $ XXXX {$400.00}. 

It was in XXXX that my financial crisis started due to covid and I missed a payment. That was when I incurred a {$25.00} fee and right there and then my credit line went down from {$9000.00} to {$2100.00}. 

After that one missed payment, I still tried to make monthly payments after that and still tried to pay more than the minimum. I wanted to settle my debt before the 18th month of 0 % to avoid incurring interest charges. Yet, as hard as I intend to pay it off, I reached the 18month and Bank of America did not give any consideration and I incurred a total of {$59.00} of fees and charges. ( Breakdown is listed below. ) And this is the reason why I wrote - to request to refund the amount of {$59.00} which is the total interest charges I incurred for 4 months for failing to make enough payments every month due to the same reason. 

When you call BoA, they promote an assistance for payment due to financial hardship and its so ironic that my request to have the charges be waived is not given any consideration. 

Previous credit limit before XX/XX/XXXX was {$9000.00} and now down to {$2100.00} Balance transfer amount XX/XX/XXXX 0 % promo ; Ended : XX/XX/XXXX Fees and Charges : XX/XX/XXXX - {$25.00} XX/XX/XXXX {$14.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX {$7.00} XXXX - {$3.00} Total : {$59.00}
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

i received a response from fay servciing want to comment and then add new items. I have no entitlement. but i know there are legal criteria to do property inspections that a bank has to meet before they can just do them. that was not done in my case. i received no communication in fact in XXXX i sent a certified letter fay received stating that i am in the home there is and will be no need to do inspections. I will dispute any and all fees. 
Next, I have asked especially now during the pandemic where there should be and will be laws to protect me from this, i asked for more time to submit 1099 income to complete my review. I am told they may file for foreclosure on XXXX consistent with their right possibly even during these times but certainly not consistent with reasonableness and truly wanting to : help : '' I ask you NOT to assess fees, or file foreclosure on XXXX but otherwise to wait until XXXX at which time i can show another XXXX of income. I will fight any and all fees. lawyers etc. How can this happen during a pendemic where people are XXXX and poeple are jobless? How can i be held to pay all arrears now? why is there no deferment option? i am writing to Governor today as well. Please do not file now. PLEASE. wait til i can submit more income.
Consumer complaint received 2020-11-08
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)

This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX, Equifax, and XXXX  and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX  has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX  and confirmed the account was paid off, closed, and never late. 

Equifax did respond to my dispute with what seemed like a summary of the correct the information. And on my XXXX XXXX report, the late payment was gone. But then, the next month, it was right back on there. 

Please fix it - permanently this time! Thank you.
Consumer complaint received 2018-04-23
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 (CA)

I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.