davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX 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
Consumer complaint received 2019-02-04
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: AMERICAN EXPRESS COMPANY (GA)

A victim of identities theft fraud regarding 1 account. I have never owned nor applied for a credit card account with XXXX XXXX. This has appeared on my credit report and I launched a police investigation as advised to by the lender to have this removed from my account as it is not mine! I submitted the police case number for the investigation and the i police investigators name of who is handling the case. I attached the information and documented it within the dispute but XXXX  failed to remove this information from my file after disputing it. I dont know what else to do because I also disputed false report its of American Express staying to XXXX that my account was in collections which was not correct when XXXX  checked into that dispute. Both disputes were lumped within the same dispute and nothing was done by XXXX  to remove this erroneous, negative information regardless of what I have substantiated to be incorrect and false!
Consumer complaint received 2019-04-13
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)

This account is still being reported to Equifax as an installment amount ; this car was refinanced by XXXX XXXX XXXX XXXX in XX/XX/2018 2018 The account needs to be moved to paid in full and closed. Its ruining my debt to income ratio.
Consumer complaint received 2019-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am pleading to have my goodwill request fulfilled. I have been an over 3 decade long customer of XXXX and hold many assets. XXXX stated to me that they do not submit anything in goodWill. This is outrageous. I am elderly and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX XXXX. To make them aware of my situation but yet they still reported me late. Please remove the lates on my XXXX  account out of goodwill please.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp. (ME)

Marcam associates called me almost XXXX time a day. After blocking XXXX number they call from a new one. I attached a screenshot showing multiple calls this past week and this is just number XXXX havent blocked yet. I get automated voicemails from XXXX, XXXX, XXXX XXXX, this is beyond excessive at this point for what Im pretty sure are medical bills some from beyond XXXX  years ago.

Im also getting frequent letters from them on top of the calls. For instance I just got XXXX letters in the mail today.
Consumer complaint received 2022-06-11
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-21
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. (WI)

I've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) XXXX ( Tacking # XXXX ) Equifax ( Tracking # XXXX )
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OR)

They spam call me non stop in spurts, making my phone unusable. I do not owe them anything and am not giving them more information to harass me with. Its been going on for years. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX -- -- these calls on XX/XX/XXXX made me miss important other calls XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2019-04-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

NationStar/ Mr. Cooper account # XXXX is intentionally applying my extra payments incorrectly. The extra money should be credited towards the principal of my loan. I pay additional money towards my principal every month. However, they are applying part of the extra money t towards lenders paid expense fee when I have not late payments on my statements, no escrow, or any additional fees. I have not signed any a contract agreeing to a lenders expense fee. It is not clear to me what this fee is and Mr. Copper is not able to give me a reasonable explanation. I would like Mr. Cooper to provide supporting documentation for these expenses and fees and showing why this money isn't being credited towards my principal balance. I would like documentation from the initial date of my loan that supports why these fees are being charged and a contract with my signature. I would like all these fees removed from my account and credited towards the principal balance of my loan. 

I have attached some recent statements that do show I owe any additional fees.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (VA)

I pay my mortgage 2-4 weeks in advance of the due date. My payment for XXXX was made prior to me receiving information that it was increasing due to an escrow shortage. I made up the difference and paid my XX/XX/XXXX2023 payment. On XX/XX/23I continued to receive text messages asking to make my XXXX payment. I called that night to find out that they didn't apply my payment as a payment for the month of XXXX or XXXX but rather applied it toward principal. This resulted in a junk late fee of {$50.00} and is impacting my credit score. The young lady I spoke with stated that she would correct it while we were on the phone but that I would still need to pay the XXXX XXXX I did immediately. Today I logged on and noticed nothing has been corrected and the account still reflects that I owe an XXXX payment. The young lady I spoke with Monday stated that " Rocket Mortgage has the right to apply any payments how they see fit ''. She also stated that if I made the additional payment of XXXX $ Monday evening that would avoid any further late fees. But none of what she advised has occurred. This isn't right and it's unfair and deceptive to the consumer as it causes harm to credit reporting. I believe that there are UDAAP and FCRA infractions here along with Reg Z. I just want this corrected and resolved as I've done everything that was advised by Rocket Mortgage. Please help!
Consumer complaint received 2020-07-30
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (FL)

The Bank is denied knowing of the remedy for resolution but was well aware but took advantage of an elderly XXXX woman court documents showing that they were aware and choose to deceive me in their actions of removing my name from title and said that there was a mistake made and they would recind the sale and proceed with discussed resolution
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same. 
I believe the payment was applied to the wrong account or computer error on their end. 
There is now a default on my credit report and inaccurate information in my loans records. 
Had it not been for this one single incident my loan would not be in default
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (OR)

In XX/XX/2023, I received a letter from my new mortgage company ( Specialized Loan Servicing ) stating that I needed to drop my current fire insurance company ( XXXX XXXXXXXX ) because XXXX XXXX was no longer an " A '' rated company. Supposedly they dropped to a " B '' rated company. I called Specialized Loan Servicing and spoke to a respresentative. I explained that my rental house in XXXX had received damage due to the heavy snow fall last winter and that I had a current claim out with XXXX XXXXXXXX to repair the damage. I explained it would be stupid to drop my insurance company now when I am in the middle of a claim. I also mentioned that I have been with XXXX XXXX for about 45 years and that this " B '' rated company must be fairly good because they have been paying the construction bills along the way from the snow damage. 

On XX/XX/2023, I received a letter in the mail from Specialized Loan Servicing stating, " to prevent the placement of forced insurance, your reponse is required. '' I immediately called the mortgage company. ( After XXXX minutes and XXXX seconds of pushing buttons to go through their voice messaging system, I finally got a live body on the phone to talk to. ) In talking to the rep, I find out that insurance had already been purchased. I said I just got my letter today. The rep said their letter was dated XXXX and that they purchased the insurance on XXXX. One day earlier than when I received my letter. 

I explained that I don't need double fire insurance coverage. The rep said that I should read the XXXX XXXX of the new fire insurance company, or call them, to see if they will honor the current claim that is outstanding from XXXX XXXX. I said this is called a pre-existing condition and that no insurance company is going to pay someone else 's bills. The rep said it is my problem and that I will just have to take that up with the new fire insurance company because Specialized Loan Servicing only deals with " A '' rated companies. 

This is called XXXX XXXX XXXX. I believe it is unfair in my situation. I have been with XXXX  XXXX for about 45 years. I am in the middle of a claim from the snow damages. Dropping them in the middle of a claim would be foolish. 

On a side note that you should be aware of. I decided to check the ratings of Specialized Loan Servicing. From the report that I read, there were XXXX reviews with a total score of XXXX out of a XXXX scale. That is pretty low. In my opinion that is about a C/D rating. I used to have XXXX XXXX as my mortgage company. For some reason they sold my account to XXXX XXXX XXXX. I think it is only right that a consumer should have some say on when one mortgage company sells their loan to another company. I sure wouldn't have said yes for my loan to be sold to Specialized Loan Servicing, a C/D rated company.
Consumer complaint received 2018-04-11
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: Receivable Recovery Services, LLC (LA)

I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : XXXX XXXX acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX  Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued.

Receivable Recovery Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX  original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. Receivable Recovery, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
Consumer complaint received 2019-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

Received notification of a password change on my PayPal account, which I did not do. 
Within 2 minutes, changed the account password. 
Checked account and saw a {$1000.00} transfer was initiated to fund the PayPal account from my personal XXXX XXXX account ( PayPal transaction ID XXXX ). I did not initiate this transfer. 
Went to the online PayPal resolution center to dispute/block the transaction. Got the following message : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' Called their customer service number but was informed the offices are closed. 

Sent an email informing them under Regulation E ( 12 C.F.R. 1005.11 ) that they have been notified I am disputing the transfer, it was not authorized and should be blocked. 

I wish to complain that not only has PayPal made the issue resolution difficult for this transaction, this is a pattern of behavior with PayPal. Just a few years ago, they signed me up for a credit card I did not request and refused to take in the dispute case.
Consumer complaint received 2018-04-11
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: ERC (LA)

The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.

The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.

XXXX XXXX   original creditor ( XXXX XXXX XXXX ) Acct # XXXX   Phone # XXXX XXXX XXXX  original creditor ( XXXX XXXX  ) Acct # XXXX Phone # XXXX XXXX XXXX   original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX  Acct # XXXX Phone # XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I need to File a complaint on Transunion for a FCRA Violation 2 XXXX credit cards account XXXX and XXXX are closed accounts and both accounts are reporting a Monthly payment This is a major fcra violation please delete these 2 accounts ASAP CLOSED ACCOUNTS CAN NOT BE REPORTED THIS WAY PER FCRA REMOVE BOTH ACCOUNTS TODAY
Consumer complaint received 2020-01-28
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. (GA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.