davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX, XXXX, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$630.00} XXXX XXXX Late Payment {$630.00} XXXX  XXXX Late Payment {$1400.00} XXXXXXXX XXXX XXXX XXXX  Late Payment {$1100.00} XXXX  XXXX XXXX XXXX Late Payment {$20.00} XXXX XXXXXXXX Late Payment {$120.00} XXXX XXXX  XXXX Late Payment {$520.00} XXXX XXXX  XXXX Late Payment {$0.00} XXXX / XXXX  XXXX Late Payment {$95.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX  XXXX Collection {$460.00} XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX XXXX XXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Collection {$1500.00} XXXX  XXXX XXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX  XXXX  XXXX XXXXXXXX Charge-off  {$0.00} XXXX  XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
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. (SC)

XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. According to 15 U.S. Code 1692e - False or mislead
ing representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Consumer complaint received 2022-09-01
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. (SC)

XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Hello, On Thursday XX/XX/XXXX, I contacted Edfinancial via phone after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments totaling close to XXXX that I made through the payment pause that started in XXXX. I went ahead and asked them to do that but was surprised to find out that the quoted processing time by EdFinancial was a minimum of 150 days. 

It seems as though Edfinancial is the only student loan provider who is quoting these ridiculous wait times for their customers. Others student loan management firms are quoting and issuing refunds in the span of 3-8 weeks and anytime I tried to communicate with EdFinancial to get them to elaborate on their process their responses has been ambiguous and vague telling me to reach out to request status updates on my refund. The problem is that I've since reached out to them twice over email and have not gotten a response or a confirmation on my refund status. When I check my account balance, it still reflects the old amount so I am concerned they have not actually requested my refund. 

My biggest concern is that the 6 month timeline would mean that I am unable to begin the refund request until the new year, at a time when the money I paid in my student loans would be extremely useful to navigate some recent hardship.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (VA)

After reading and understanding my federal rights as a consumer, according to the Fair Debt Collection Practices Act ( FDCPA ), this law is intended to protect consumers from abusive, deceptive, and unfair debt collection from debt collectors. It is my federal right as a consumer pursuant to XXXXXXXX XXXX XXXXXXXX ( XXXX ) to receive meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me against inaccurate and unfair credit billing and credit card practices. As the consumer, I am requiring Discover Card to send me a notice of VALIDATION of debt pursuant to 15 USC 1692g. Communication with me should cease through all/any medium until notice of debt is given.
Consumer complaint received 2022-02-24
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 Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Crosstown Law, LLC (TX)

XXXX XXXX XXXX is sending me collection notices on XXXX accounts. I am currently and actively being pursued by XXXX XXXX XXXX on XXXX of these same accounts ( these XXXX originated as XXXX Credit cards and they were mine ). The XXXX account they say originated with XXXX. 
I called XXXX to verify the debts and amounts and was told that XXXX now owned the debt. I have sent a written request to XXXX with a copy of the XXXX letter asking if they have sold the debt to XXXX. They respond they still own the debt, but wo n't provide me with further information. 
I have no recollection of a XXXX account. I called XXXX Credit cards and they researched my social security number and found no accounts with them. The XXXX Chase Cards appear correctly on my credit report as charged off, but there is no record of any XXXX chargeoff until XXXX starting reporting it. 
I have contacted XXXX repeatedly ( including certified mail ) asking them to verify the original accounts, current calculations, date of last payment, and proof of their ownership. 
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
The amounts they are reporting are not correct on the XXXX XXXX accounts, and the XXXX is crazy ( {$61000.00} )! 
The person signing the letter, XXXX XXXX, is not licensed as a lawyer in MN, though the letter gives the impression she is a lawyer. 
They have re-aged the XXXX debt incorrectly ( and added them together a couple of times ). This debt went into arrears in XXXX 2009, and they are reporting last activity as of when XXXX charged off the accounts and sold to XXXX. 
I believe these actions by XXXX are completely fraudulent. They respond to my requests with threatening letters and are still reporting incorrectly on my credit report. 
I had credit issues years ago, as the result of unemployment. We are now getting back on our feet and trying to fix stuff, but I believe XXXX XXXX is praying on me and does not own the XXXX debts, and the XXXX account is a fabrication.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The debt collector Portfolio Recovery Associates , LLC They already sued me for the balance of {$640.00} they said that I have been using the amount for my XXXX XXXX credit card for shopping, the account does not apply to me because someone has been using my information my XXXX, XXXX, and opened this account in XXXX  XXXX and I never lived there before and that account has been opened my someone in XXXX XXXX and the address was XXXX XXXX XXXX, XXXX, XXXX XXXX and In the same year 2014 I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You
Consumer complaint received 2022-02-24
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. (AL)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lend Smart Mortgage, LLC (MN)

I 've complained already once about Lend Smarts employee - XXXX XXXX ( alias ), legal name XXXX XXXX working with confidential information, specifically thousands of social security numbers when he previously used social security numbers to obtain credit cards in others names. He is a convicted felon and I am wondering why and how he continues to work in the mortgage industry when his background check shows this and shows that he continues to have no moral compass. I am requesting an actual follow-up to this matter rather than it just being closed with no response. I am also requesting who else I can contact with regard to this matter.
Consumer complaint received 2015-05-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (AZ)

Started school in XXXX XX/XX/XXXX and my College, XXXX XXXX in XXXX, had me secure a private loan from Genesis Lending. I have been paying on this loan since the day I started school. I received a letter a few months ago in regards to XXXX being bought out by XXXX XXXX. It stated that part of the purchase aggreement was that these private loans that XXXX had through Genesis would be reduced or forgiven. I have spoken with Genesis several times to find out the status of my loan and have been told that they are still going through the loans and will contact me when they have more info. I called Genesis on XXXX/XXXX/XX/XX/XXXX after not hearing from them and I was informed that my loan did not qualify for a reduction/foregiveness as it was sold to XXXX at some point. They could not tell me who XXXX was or when my loan was sold. I have XXXX loans with Genesis Lending. The account numbers are # XXXX and # XXXX. I would like any help in finding out why after the XXXX XXXX XXXX fining this school and the agreement by the purchasing company why my loan is still has not been addressed.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Specialized Loan Servicing incorrectly reported my XX/XX/XXXX taxes and this has resulted in myXX/XX/XXXX mortgage payment doubling. They did not include XXXX XXXX and Water taxes in my escrow for XX/XX/XXXX resulting in an escrow shortage that they say is {$14000.00} ( inaccurate and inflated ). 

My escrow analysis for XX/XX/XXXX showed taxes totaling only XXXX. ( COUNTY TAX  {$1100.00}, WATER TAX {$840.00} ). 

My escrow analysis for XX/XX/XXXX shows my taxes totaling {$11000.00}. ( COUNTY TAX {$6800.00}, WATER TAX {$4100.00} ) This year XXXX, on XX/XX/XXXX, my escrow analysis showed that 1. I had an escrow shortage of {$14000.00}. 
( This is incorrect, my county appraisal shows that my taxes for XXXX were estimated at {$11000.00}. Since I already paid {$2000.00}, that means roughly {$9900.00} was supposed to be past due, but they have charged me for the full escrow amount which includes insurance and PMI that were already paid for. 

2. My new mortgage payment has increased from {$2200.00} to {$4200.00}. 
This amount was auto drafted from my account on XX/XX/XXXX and XX/XX/XXXX. ( note* I only received the escrow notice on XX/XX/XXXX ) a ) I did not get 60 days to respond to this change. 
b ) This amount is based on a shortage caused by SLS c ) The shortage amount is inaccurate and inflated d ) XXXX spread out the XXXX amount over 12 months without my agreement
Consumer complaint received 2022-09-01
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. (IL)

I ordered a copy of my report in MyScoreIQ and XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (CA)

This company XXXX XXXX keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MD)

i applied for credit with XXXX/XXXX XXXX. I received a letter in the mail asking me to contact them to verify my idenity which i did. They ask me a serious of questions. I answered the questions correctly according to my life today. Receive a letter in the mail a few weeks later telling me that i was declined base on the fact that my identity could not be verified. Called the bank which issues the credi card, to ask the reason why and they told me that one of the questions was not asnwered correctly. Ask them what question, they did not know and referred me to XXXX to answer the question. Called XXXX and they said they did not give the bank the security question and it came from public records, They had no idea how i could update the pulic records that the question are coming from. XXXX suggested i call XXXX and XXXX and they gave the same simliar answer. 
I am being deined credit based on inaccurate information coming from security questions from some public records file which is inaccurate. 
Which no one is telling me how to update. Why should they evening be using this. The answers given to security questions are inaccurate and outdated, my credit is affected. I was told to update the information by XXXX XXXX and no one can tell me where this information is coming from and how to update, they dont even know. Is this legal for them to do this ... ... 
Could you please investigate. I should not be denied credit based on information coming from public records. Who keeps these records updated, where is the information coming from thats put in these public records.
Consumer complaint received 2017-09-04
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. (NC)

On XX/XX/XXXX, I opened a installment loan with XXXX XXXX XXXX in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from XXXX XXXX XXXX. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (LA)

The money source took over our mortgage account from XXXX. Right before the transition we were in Covid 19 forbearance with XXXX, had submitted and was approved for a loan modification When the money source took over our account they made all kind of claims, claiming they never received the paperwork from XXXX  with modification details etc, I then reached out to XXXX  and got copies and provided to the money source, also XXXX  assured me XXXX  received all of it. XXXX  then stated they couldnt accept the paperwork from us, gave us massive run arounds saying we were delinquent and would need to do a new loss mitigation with them.

This caused us to incur more fees etc due to more time lapsed being in forbearance etc On top of all this we later sold that house to find out that XXXX  not only approved the modification but also filed a partial claim with the county court house We were able to clear off the XXXX  pa
rtial claim with HUD and the county but still to this day are trying to clear off the XXXX one and get our proceeds from the sale of the house, now going on 5 months. Reason for that holdup is XXXX  filed hud partial claim with our county but never with HUD so HUD cant see it, XXXX wont remove it after dozens of phone calls and emails as they are stating they filed a proper partial claim that XXXX  has to abide by but didnt It is my understanding that a new loan servicing company has to uphold to any loan modification agreement and it is against the law to not do so
Consumer complaint received 2022-08-31
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 Validate the accounXXXX XXXX XXXX XXXX  As Per my written request { BY LAW } As you verified the account that was Fraud because only the consumer can verify, you are also reporting that XXXX XXXX XXXX is the consumer false I am my SSI card number was used on the account that make myself the consumer it law XXXX XXXX XXXX is Debtor, Also I request in my dispute that I want the original contract { not a Copy } because that would be fraud also. enclosed is my request in writing that by law you have to follow completely as stated or I will be force to seek legal claim