davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

In XXXX I got a letter from FAMS Collection Agency stating that i owe an hospital bill for the year of 2013, that year my state tax refund was taken by FAMS {$290.00}. I mailed a copy of my insurance card once I revived the letter. My hospital bill was paid in XX/XX/XXXX by my health insurance. When i filed my XXXX taxes in XXXX FAMS put another hold on my taxes stating that i owe a debt which is incorrect. I had to resubmit the documents again via email to them and my funds was released in XX/XX/XXXX. I am going through the same thing this year for my XXXX taxes that was filed in XXXX, they keep sending letters to New Jersey XXXX XXXX stating i owe a debt when the debt was cleared 2 years ago. At this point is is fraud because if i would not send the email every year they would have kept my funds. Also it take almost half a year for me to receive the funds that they should not have been holding.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report
Consumer complaint received 2018-11-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

Fay Servicing has increased our Escrow by using figures that DO NOT include all of our mortgage payments. They purchased our loan in XX/XX/2018. XX/XX/XXXX and XX/XX/XXXX payments were mailed separately to them. However, on their report sent to us by a their Attorney that they sent to Court only show one ( 1 ) payment being made not two. I  have attempted to send them the cancelled checks but XXXX XXXX refuses to accept them and get this resolved right away. This has also caused lots of unnecessary stress on us and loan companies calling us saying our loan has been MARKED for inclusion trying to get us to refinance all due to them not posting all of our payments. This is a Federal Violation of our rights, not applying our payments, misreporting our mortgage account to Credit Bureaus for months now, and deceptive by omitting these important facts to increase our Escrow.They have a letter from our Attorney to talk to us on file.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (GA)

Date : XX/X/2017 Amount : {$170.00} Action Taken : Made payment to XXXX and advised by XXXX Representative the account would be removed from credit report. Stellar Recovery refuses to remove the account as promised by XXXX. 


There was a collection item on my credit report from XXXX that I was not aware of. I did the online chat with XXXX and the representative from XXXX told me if I paid the account in full they would remove the item from my credit report. I called Stellar Recovery to let them know that I paid the account and to let them know XXXX confirmed with me that the account would be removed. The representative from Stellar Recovery told me she would not remove the account from my credit. I told her I had the transcript of my conversation with XXXX along with the confirmation that I paid and she continued to let me know the account would not be removed. When talking to the XXXX representative he confirmed with me more than one time that this account would removed from my credit report. I do not have what else I can do as I was told by the representative that it would be removed. I have a copy of the transcript and confirmation of the payment if needed.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

On Equifax 's website it very clearly states that if you're shopping around for the same loan within 14 to 45 day period the different inquieries should only count as one inquirery. I have 3 inquieries that were all for an auto loan that were done within a 14 day period that are being counted as 3 different inquireries when, as stated on their website, should only be counted as 1 inquierery. I'd like these 3 inquieries to only be counted as one per their website. I called Equifax varios times and every representative did not even know about this, but one representative did after taking the time to do a little research and look for it on the Equifax website. She, then said it only counts if your credit is pulled varios times by the same lender for the same loan which is not true, because the article, on THEIR website goes on to say that because of this you're given a chance to shop different LENDERS. That is the very next sentence after the statement, " if you're shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquirery for a given period of time. The period of time may vary depending on the credit scoring model used, but its typically 14 to 45 days. '' Like I said it goes on to say, " this allows you to check different lenders ... ''
Consumer complaint received 2018-11-07
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: EQUIFAX, INC. (OH)

In XX/XX/XXXX I reviewed my credit report with FICO.On there I notice an reinserted item that was previously deleted on credit report in XX/XX/XXXX.in accordance with the requirement of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days and this never happened. ( B ) Requirement relating to reinsertion of previous DELETED material. ( ii ) NOTICE TO CONSUMER.If any information that has been DELETED from the consumer 's file, the consumer reporting agency shall notify the consumer of the reinserted in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any means available to the agency. I received no Notice of this reinsertion and this is a very serious violation of FCRA. I sent Equifax a letter on XX/XX/XXXX certified on XX/XX/XXXX to inform them of this reinserted item on my credit report that was DELETED and has now been put back on my report without notification of these action within 5 business days.Credit confirmation # XXXX dated XX/XX/XXXX will show remarks that XXXX XXXX # XXXX is not reporting on credit report, confirmation # XXXX dated XX/XX/XXXX will also show remarks that XXXX XXXX s & XXXX are currently not also reporting on credit report. HERE IS A LIST OF CREDIT REPORT ALSO NOT EVEN REPORTING ON CREDIT REPORT # XXXX= XX/XX/XXXX, # XXXX =XX/XX/XXXX, # XXXX= XX/XX/XXXX, #  XXXX=XX/XX/XXXX, # XXXX= XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX. I received a letter back from Equifax on XX/XX/XXXX stating everything is accurate and verified and there has been updates never addressing the real issue THE REINSTATE WITHOUT NOTICE THAN THEY GOING TO SAY THE ACCOUNT HAS BEEN UPDATED HOW CAN YOU CHANGE AND ACCOUNT # ON AN ITEM THAT WAS # 1 REMOVED OFF CREDIT REPORT BUT UNTIL I SENT IN LETTER THE ACCOUNT NUMBER WAS THE SAME AS THE ONE REMOVED NOW IT HAS CHANGED COPIES ARE ENCLOSED WITH THE ACCT NUMBER THAT WAS REMOVED NOW ACCT # CHANGED. THEY HAVE VIOLATED THE LAW AND IT NEEDS TO BE REMOVE AND NOT PUT BACK WITH NEW ACCOUNT # LOOK AT ALL REPORT AND IT WILL CONFIRM THIS ITEM WAS NOT REPORTING UNTIL ILLEGAL REINSERTATION IN XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On Sunday, XX/XX/2019 at about XXXX XXXX., I had applied online for a XXXX XXXX XXXX  ( XXXX ) home loan. The male XXXX home loan officer then called me at home and told me that " Experian '' had a " Security Freeze '' on my " Experian '' credit file. The XXXX home loan officer then gave me the " Experian '' toll free number to call which was XXXX. And I immediately did. " Experian '' told me over the phone that I had to " Mail in 2 proofs of I.D . such as 2 current utility bills along with a note instructing Experian to permanently lift my security freeze. And to mail it to them at : Experian ; XXXX. XXXX XXXX ; XXXX, Texas ; XXXX ''!!!!
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. (MA)

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all XXXX credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all XXXX credit agencies.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (DE)

We are trying to buy a home and when pulling our credit report it is showing AR Resources , Inc 9 times with Medical Health Bills. It is from XXXX XXXX when my husband was in last year. The amounts range from {$61.00} to {$560.00} Totally just over {$3000.00}. They each have different account numbers. My lender told me to pay the smallest ones and work my way up and they would come off as I pay them. And our score would improve each time. I paid 2 payments and they did not drop off. When I called I was told they could not take those two payments off of the credit report until it was all paid in full. I asked why they did not have it as one account then and one payment. He said that is how it was sent to them. So I asked again then why when I pay off one acct payment why that one still shows up when it has been paid. They are taking my payments and spreading them though the whole amount and not paying off each account separately. I have called our insurance company XXXX and they said they did not understand why it was that way on our credit either because it should been one lump amount not several small amounts. They are not even sure if those bills were ever sent to them for review before they were sent to a collection agency. When I had them check the amounts to what they were billed they do not see these amounts. I have also asked the AR Resources if we can settle for a lesser amount to get it all off of our credit and they have told me no. They can not. It needs to be paid in full. Which now we owe {$2900.00}. I aIso have a bill from the hospital which shows some of these same amounts saying we were uninsured. Which is not the case. So thinking some of these were never sent though the insurance. I have asked for an explanation of the bills that were sent so that I can check the dates that were billed, they said they will be sent but could take up to 30 days. There are also duplicate amounts on there that seem to be the same. I have called the Insurance commission but since it is not an insurance problem more of a collections agency problem they gave me this email to file a complaint and said you may be able to help me with it.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
Consumer complaint received 2018-11-07
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: Experian Information Solutions Inc. (WI)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians  delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX/XXXX XX/XX/2017 unauthorized EXPERIAN XXXX XXXXXXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX/XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2017-11-06
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: CITIBANK, N.A. (GA)

On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX and XXXX. I have been a satisfied customer of Capital One since XX/XX/XXXX. 

Your outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards in the year of XX/XX/XXXX when I lost my employment, and I was over a month late with a payment. 

Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with payments since getting caught up. 

As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration, XXXX XXXX
Consumer complaint received 2023-03-21
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. (FL)

My XXXX and TransUnion scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Finance Company, Inc. (IL)

They too are contacting my grandmother constantly and Wont stop. She tells them I dont live there and they still wake this elder XXXX old woman up every morning. Its been almost XXXX. Can you please help me in stopping them and removing this from my report. Its getting crazy how many times a day they call
Consumer complaint received 2019-05-26
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: Resurgent Capital Services L.P. (AL)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to LVNV Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today XXXX XX/XX/XXXX ), LVNV Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. LVNV is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to LVNV and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. LVNV Funding is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-05-26
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: EQUIFAX, INC. (IL)

XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I booked an international hotel through my XXXX chase credit card which I paid approximately {$100.00} in cash and the remainder in rewards points. I followed the check in instructions and called the property 24 hours prior to check in. XXXX, the contact person confirmed everything was fine and set for my arrival. 

The day of as I am on my way, XXXX contacts me to tell me she made an error on her part and decided to rebook me on the other side of town at a downgraded hotel without asking my consent. She refused to honor my reservation. 

I called XXXX and the representative placed me on hold even after I told him I am calling internationally and would prefer a call back, just to tell me there's nothing he can do and he can not refund me. All he can do is transfer me to another department that can rebook me else where and I would be responsible for the difference. 

I had already reached the hotel by then since we were in the taxi already and now I have to stay in a downgraded facility with no AC or WIFI and I am paying the price for this error that was not on my end.
Consumer complaint received 2018-11-14
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. (PA)

Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Today XX/XX/2018 XXXX I logged in to Navient to see a snapshot of my loans in deferment status. To my surprise I saw a loan that was past due XX/XX/2018 and possibly charged a late fee. I was unaware of this loan under Navient and to my knowledge this I wa not delinquent on any loans. Also some financial apps that I belong to such as XXXX gave a message that my loan was past due and I became concerned today. I called Navient and wanted to find out why was I past due now and nobody informed me, what were the details of this loan, why it was not past due before and no alerts, and why was it in collection status missing so many payments and accruing interest at a rate of 6 %. This loan was past due 210 days I was informed with a current balance of {$20000.00} according to Navient rep XXXX id # XXXX. I tried to get more details but she was not able to provide them. She told me this loan was in collections and past due and that my credit could be ruined if no payment was made. Also she told me this loan could go into default and delinquent. I informed XXXX that I am a XXXX veteran and that under federal law I am protected under certain circumstances. I might need to contact an attorney if I have to to know if my rights have been violated as a XXXX Veteran. Last time I was in touch with Navient was in XX/XX/2018 when they approved my Income-Driven Repayment Plan for my federal loans. Nobody told me about this loan was on file and on collections as far as I can remember. I have included copies of my student loans I printed from Navient. When I called nobody could give a straight answer but they kept me switching from one rep to another starting with XXXX id # XXXX, XXXX id # XXXX and XXXX id # XXXX. But after talking to XXXX last rep I am still confused and don't know what is going to happen with this loan, my credit history, and I am not sure if my rights as a XXXX Veteran have been violated. I need the help of CFPB and advice on this issue and what to do. Thank you. Also I don't want Navient that by me contacting them was a reason to restart the collection process and see it as a " negotiation '' call. XXXX  the rep I was talking to was pushing me to make a payment but I refused since I did not know what loan she was talking about.