davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 states that a consumer can not furnish an account without my written instructions ( which I have not provided ).
Consumer complaint received 2019-04-01
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. (GA)

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is XXXXeporting the following fraud accounts : 1. XXXX XXXX  - XXXX XXXX XXXX 2.  XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX Equifax   is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Harpeth Financial Services, LLC (AL)

I received a " pre-approved '' letter from Advance Financial 24/7. The letter stated I was " pre-approved for a loan of {$4000.00}. '' I completed the paperwork and provided the requested documents, but they said I would have to wait a few day sfor it to be processed. Only to get an email within the next hour, to say my application was denied! I tired to email them ( at XXXXXXXXXXXX ) & call them XXXX at XXXX ), but NEVER recived a reply, response, or was never able to speak to someone!
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Balance : {$74.00} Balance Updated : XX/XX/2022 ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with TransUnion in particular and to lesser extent by XXXX and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

My complaint is with Second Round Sub, LLC. This company sent me an Invoice in the amount of {$3000.00}. They purchased this from the original creditor XXXX. 

I am not in contract or never was in contract with Second Round Sub, LLC. In their Invoice, they stated at the bottom that they can not sue me as the law limits show that the age of the debt is old. But, Second Round Sub, LLC is trying to mess up my credit Report with this extortion notice. 

As of XX/XX/2015, my debt with XXXX XXXX was charged off. As of XX/XX/2015, XXXX no longer showed that XXXX reported any debt owed to them. Also, I had a lawyer working with me on this case with XXXX. They did not respond to any of the lawyer 's notice. The debt with XXXX is old and charged off and no longer showing on my Credit Report. 

Second Round Sub, LLC is trying to damage my credit report. Again, I am not in any contract with this company. They are fraudulently contacting me for a debt that I do not owe them. I do not trust this company and see them as harmful to consumers.
Consumer complaint received 2022-09-16
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. (PA)

I never gave Experian prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (FL)

In XX/XX/XXXX I canceled my phone bill. I have never been contacted since then to be advised of any outstanding balance. On XX/XX/XXXX I found a collections account on my credit report by GC Services for {$370.00} that was placed on XX/XX/XXXX. GC Services stated they received the account being past due in XX/XX/XXXX ( less than 90 days from cancellation of account ). I contacted the phone company and paid the balance in full. The phone company advised they would have GC Services remove it from my credit report as a collections account. 

As of XX/XX/XXXX I contacted GC Services directly to request them to remove it from my report. They are refusing to remove it from my credit report as they claim that they attempted to contact me numerous times and always got voicemail and never a response by mail after mailing letters in a white unmarked envelop. 

As of XX/XX/XXXX I never got any notification from them and I never received any type of Certified/Signature mail to ensure receipt.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I disputed XXXX XXXX and 2 collection accounts on my report. XXXX XXXX was paid off and is over 7 years old. The 2 collection accounts were from XXXX hospital and I disputed those as well because when I was in the process of getting XXXX for my numerous eye issues, the hospital accidentally billed me for my procedures. XXXX and XXXX looked into all of these disputes and found out that I was correct and removed them immediately. Equifax keeps playing games with me. They keep saying that they can't verify me over the phone because my answers about the creditors are incorrect. What the XXXX are they talking about? I answered every question that they asked me. The answers are probably wrong because they have inaccurate information. I call them every week and try to go on-line every week. This is ridiculous. They are basically holding my credit hostage. Could you please  contact Equifax and find out what the problem is and tell them that I am entitled to an updated credit report by law ... after I had disputed those items. Please contact me to let me know the status. In the meantime, I will contact this XXXX  in writing AGAIN!!!!!! Thank you, XXXX XXXX
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

My mortgage was purchased by Mr. Cooper in XXXX of XXXX. The previous mortgage company, XXXX, had paid my XXXX tax bill, and then Mr. Cooper also paid it ( vi XXXX ). The extra payment was the refunded in XXXX of XXXX ( verified with XXXX XXXX, AZ ). I became aware of this in XXXX of XXXX when my escrow payment greatly increased. The agent and I quickly realized the double payment, and then I verified it with XXXX XXXX. 

After getting no help, I then verified with XXXX that the refund was received from XXXX XXXX, and they were in process of refunding it to my escrow account. That was on XX/XX/XXXX, and the funds are still NOT in my escrow account. 

I have been dealing with XXXX XXXX XXXX most recently, and previously XXXX XXXX XXXX. Both of these contacts have just given me the run-a-round. They keep saying to " be patient. '' As far as I'm concerned, they have had my money since XXXX of last year, and it should be in my account. 

I would appreciate any help you could provide.
Consumer complaint received 2019-04-01
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: Ditech Financial LLC (FL)

My previous lender is reporting my mortgage as " included in bankruptcy. '' Per my attorney if a debt is reaffirmed at the same time as your bankruptcy it is not included in the bankruptcy. I have sent the reaffirmation to Ditech Financial showing that the reaffirmation was included along with the bankruptcy, so it was not included. 

XXXX is reporting it correctly. Ditech financial refuses to change the reporting to now included with bankruptcy.
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I attended XXXX University beginning with the fall semester of XXXX. As of the beginning of this year, MyFed Loan is claiming that I owe {$2500.00} ( {$2000.00} past due ) on supposed loans that I took out from XX/XX/XXXX to XX/XX/XXXX. I find it to be outrageous that after so many years they claim that I owe them money. I know of no such loans that I took out and do not find it plausible that any loans that might have been taken out would have been deferred for this length of time. I have called XXXX University and have checked into my financial records. They do not show that I owe them any money and I have requested documentation of all of my financial information.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 In accordance with the Fair Credit Reporting act. The List of accounts below 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 a 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 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

Add hurricane damage claim.. m & t banks requested check to be sent to them. Then sent to me. I took care of all the damages and sent the reports into m & t. They are refusing to send inspector out so I can get insurance.. And I keep getting notices that I am not making any effort and I've made no contact.. I've made every attempt sent them letters 3 times and have fixed everything with permits..
Consumer complaint received 2019-04-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX and a recovery agent from XXXX New York XXXX XXXX XXXX XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I got this mortgage from XXXX and I never missed a payment, Lately I have been sending big amounts towards the principal with the last payment of XXXX dollars on XX/XX/XXXX. After the last payment, my balance ( which I follow very closely ) was XXXX, but when I tried to make the payment, the website ( XXXX ) did not allow me to do so and wanted to charge me the previous monthly payment of XXXX dollars. I tried calling them several times and there was always a problem with the comminication, there were always busy and the waiting time was too long and they always told me to call later, I emailed them more then 15 times and I only got the same message saying " someone will call you soon " but they never did. then I try to pay on the website the whole previous amount since I did not want them to say later that I did not pay on time ( why would I do that when I never missed a payment? why would I do that on XXXX dollars when I paid XXXX dollars in principal payments this past year alone?, ridiculous!!! ), the website did not allow me to do the payment, so I tried fast Pay in which I was enrolled on their website and also did not allow me to do so, so I sent a check to Lakeview Loan services LLC since thet is the address in Pa where the payments by check can be sent, this was done 4 days ago ( before the payment was due, which is on XX/XX/XXXX ) and they never credited me for the last payment. Today I called the call center and I explained the situation and the person there said " you owe XXXX????? ) I said no, look on the website and you can see where it says " your remaining balance is XXXX dollars, but she did not want to hear what I was explaining. so tomorrow is the deadline, they are not answering my emails or phone calls and they will argue that I did not pay on time, I will file a complaint with the Banking comission against Lakeview and XXXX too.
Consumer complaint received 2022-02-01
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. (CA)

I have submitted a dispute with the company EQUIFAX and have entered all of my information needed to file a dispute. When it comes to the portion when it asks you to upload your documents it will not allow me to upload the police reports I obtained for these fraudulent accounts
Consumer complaint received 2023-01-18
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

This debt was paid in full on the Midland Credit Management website on XX/XX/2019. I paid the full amount showing on my statement. After successful payment, I received a receipt screen showing that the debt was paid and had a XXXX  balance. When I went back into my account today XX/XX/2019. Mysterious extra charges have now been backdated and I am showing an additional {$510.00} balance. These charges are not valid and were not on my statement when I paid the account in full on XX/XX/2019. 

As back up I have screenshots of my paid in full receipt screen, my bank statement showing payment, their statement showing the new charges backdated before my payment, and my credit report showing the amount reported by MIdland. I feel that this is a scam and fraud to try to get more money out of me when i have duly paid my obligation to them.
Consumer complaint received 2019-02-03
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. (OH)

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX XXXX Report Confirmation # : 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 The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The