davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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. (GA)

I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. Equifax shows me being delinquent XX/XX/XXXXbut the account was paid in full on XX/XX/XXXX. XXXX does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
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: AES/PHEAA (IL)

American Education Services has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating AES is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
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. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-06-18
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. (GA)

In accordance with the Fair Credit Reporting act 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 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-09
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. (IL)

I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with XXXX  and Transunion. XXXX and Transunion responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
Consumer complaint received 2018-11-09
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: GREAT LAKES (ME)

I have made contact with Great lakes in regards to my account status being " closed '' " paid in full '' " balance XXXX '' and showing an age of 7 years and 2 months still remaining on my credit report and showing a negative status. i have successfully rehabilitated this loan and have opened the account in positive standing with a new loan through Great Lakes, when contacting the company i was told there is no way to remove it. the acocunt was closed in XX/XX/2015
Consumer complaint received 2017-11-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC. (MD)

I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.
Consumer complaint received 2018-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NC)

We were enrolled in a PMI escrow account at the time of closing on our home, in XX/XX/2018, with XXXX XXXX XXXX XXXX, ( XXXX  ). We recast our loan in XX/XX/2018 and paid it down to a LTV of 44 %. We were instructed by XXXX to submit an email in order to discontinue our PMI escrow account and meet criteria of not any missed payments and a LTV of 80 % or less. We have met all of the above requirements and submitted the email request for cancelling PMI. XXXX responded stating we will have to pay a fee of {$100.00} and pay for another appraisal on our home. 
We requested that XXXX use the most recent appraisal on our home that was performed in XX/XX/2018, but have not received a response. 
We have since learned that this lender is not complying with a Federal law called, " The Homeowner 's Protection Act, '' which requires lenders to automatically cancel PMI enrollment when a loan falls below 78 % LTV.
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-06-18
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: EQUIFAX, INC. (IL)

XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and XXXX. They too have been unhelpful.
Consumer complaint received 2019-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

In XXXX of 2019 I refinanced my home with LoanDepot. They transferred my load to Rushmore Load Management Services Inc. After doing so LoanDepot withdrew the XXXX Payment from my bank. XXXX said they sent this payment to Rushmore. Now Rushmore says they have no record of payment. I am being charged a late payment every month that I do not owe as well as the missing payment.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Shellpoint is the servicer of my mortgage. Per the terms of my mortgage, the property taxes are escrowed for payment by Shellpoint. Today I went to my County website and saw that my tax bill that was due on XX/XX/XXXX has not been paid. To compound my frustration, I am accruing late fees as a result of the non-payment from Shellpoint. This is particularly frustrating because I am in the process of refinancing this week, and I have been told by the new lender that I must bring a check for the past due taxes to closing, and I do not have the funds available in my personal account to do so. Their customer service agents have been no help, and will only say that they will " look in to it '' with no indication on how long it will take to resolve. Due to Shellpoints error, I will now miss the refinance rate that I was quoted and will not be able to refinance this week, that would have allowed me to take advantage of an improved rate.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX i made a final payment of {$24.00} On XX/XX/XXXX i was assessed a {$1.00} interest. 
My statement reflects a {$1.00} balance. 
On XX/XX/XXXX I called BOA, waited on hold for 40 minutes. The agent asked if I wanted to get notifications on my cell. i said no. They can call me of something is wrong she then said she could not get into my account as I failed to identify properly and refused to get texted a code. I said i had no idea that she wanted to send me a code to verify my identity. I said, i have my cell, go ahead, send the code. Too late, she said. 
Asked for supervisor -XXXX in the XXXX call center- shes said she could not help me. I said I want a credit for the interest charge that should not have been applied since balance was paid in full. And i want my account closed. She said the only way I could get that done was to contact them through a mobile app!!!
Consumer complaint received 2023-03-22
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. (GA)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any in formation relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Consumer complaint received 2022-03-31
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. (NC)

I have a hard inquiry on my experian credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act XXXX  Account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.
Consumer complaint received 2022-06-18
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. (IL)

XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and transunion. They too have been unhelpful.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (VA)

Purchased an item on XXXX through PayPal, in early XX/XX/XXXX. I was issued a partial refund of {$11.00} from the seller. PayPal refuses to credit the {$11.00} back to my account. I've spoke with customer service on 5 different occasions, emailed and chatted on line with customer service but to no avail. PayPal associates said ( XXXX ) it was return to my account, but I nor my bank has any transactions to support that claim. I spoke with the XXXX help line twice for any help at all, but the two companies are separate. I tried to close the PayPal account but they show I have {$11.00} on the books and can not close because of that, then true as that is, how could they have returned the {$11.00} to my bank and on what date? There is not a PayPal location in my state of Va, the headquarters is in Ca., please help.
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

XX/XX/2016 I came inside and paid {$350.00} ( and the bill shows this ). On that date, I completed an INTENT TO VACATE form and gave it to th rep along with the lock etc and moved all of my things out as required. So the account should have been closed on XX/XX/2016. Yet they kept billing me over 6 months for an empty unit, which I did not use or need. They claim to have sent a certified letter but it's a lie and they dont have proof of the mailing etc ... Now they have placed me in collections for over {$1300.00} -- - all of it late fees.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (IL)

UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (DC)

On XXXX XXXX, XXXX, I requested an investigation with XXXX XXXX into my Fay Servicing account,  because as of XXXX XXXX, XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XXXX XXXX, XXXX, and as of this writing the account still stands in the negative.