davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information  any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (UT)

I opened a savings account with XX/XX/XXXX and made several transfers from my outside bank totaling {$500000.00} dollars. The purpose of this account was to fund Two Popular direct CD accounts that I opened at close to the same time. Popular Bank put a Fraud Hold on my acct. and would not let me move my money from the savings account to the higher interest rate CD accounts. I called several times trying to verify my identity and have the fraud alert removed from my account and finally they told me to send a copy of a voided check to their fraud dept and wait 4 days and this would fix the problem. I sent a copy of the voided check and waited the 4 days. I again called Popular Bank to inquire why my acct was still on Fraud hold. they claimed they could not read the document I sent them. I opened the email I sent and it is perfectly clear. I finally requested they close my accts and return the money to the outside acct that I sent the funds from that is also linked to the acct. They agreed to do so and said it would take 2-3 days. It has now been 3 days so I contacted them again today. The customer service agent from Popular Bank said my acct is still on fraud hold. This is a very difficult situation and Popular bank fraud dept will not release my fund nor contact me directly to resolve this situation. They are holding all my money and will not return it.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I checked my credit report today and there was all the sudden, out of nowhere a collection account for this company, XXXX XXXX XXXX. I have no business with them and have never received any documentation for any account through them. This was never on my credit report before as an open valid account like other accounts I have, but all of a sudden they are claiming the account is delinquent and in collections. I want the account removed from my credit report as false information that was never validated. XXXX XXXX XXXX has hundreds of complaints from this company regarding false information being reported to the credit companies and this needs to be stopped/corrected
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-01-04
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. (NJ)

According to my recent credit report request from Transunion, XXXX, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Consumer complaint received 2019-09-17
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)

I have tried numerous times thru equifax dispute process to remove an aged account that should be deleted, other bureaus have deleted it, but all I get is an automated response after waiting 30 days or more from them. After reading the fcra this account falls under the guidelines to be deleted! The inaccurate reporting of this is causing me financial harm
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Many years ago, I was on IBR for all of my loans. When I rectified and my payment was {$0.00}, for some reason, the IBR wasn't applied to all loans so 1 erroneously went into default. That year, I got my tax refund garnished and the money was sent to that student loan. I contested it with the IRS and they agreed that it shouldn't have been garnished and sent me the money back after it was already applied to the loan. The loan servicer instead of increasing the balance for what they returned to the IRS created an entirely new loan for what they sent back. This really, really screwed my PSLF. At the time they did that, I was coming close to XXXX PSLF payments and loan forgiveness. All of my loans did get forgiven except the newly created one ( that they never ever should have 1 ) garnished and 2 ) created a new loan for .... it was on an existing loan that they should have just reversed the payment from the IRS not started a new loan! ) That has to be illegal. Anyways, because they started a new loan instead of just reversing the payment, it lost all the history. I want my history applied to that ridiculously newly created loan that they never had my authorization to do nor create so that is can get forgiven with PSLF since I am eligible. They should have just reversed the payment ( that they never should have taken ).
Consumer complaint received 2023-07-04
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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Consumer complaint received 2021-04-13
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. (LA)

XXXX should not be reporting to Equifax ; XXXX  and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Performant Financial Corporation (GA)

The company, Premiere Credit of North America LLC is collecting money on behalf of the XXXX XXXX XXXX XXXX. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.
Consumer complaint received 2018-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Many payments made in XX/XX/XXXX to Coinbase you can pay in but cant get your money out wont verify my bank account even though I sent them XXXX euro asked and they sent it back to my bank account so verified yes,, NO been going on now for months emailed them many times this company sucks
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, XXXX, and Transunion ). All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

Thursday XX/XX/XXXX at approximately XXXX XXXX Eastern Time i was purchasing my son a baseball bat on AMAZON.COM - ( i made a mistake by falling for a SCAM - as Amazon and Chase " fake '' promotion ). 

They advertise that i would get 20 % off of the purchase if i apply & use the card. However, they defer / don't approve applicants with great / perfect credit. Their would be absolutely NO reason for them to decline me. 

They scammed me out of the 20 % / about {$100.00}. I am over it, but it drives me crazy as they TAKE advantage of population that doesn't understand how credit companies " get rich '' by consumers that consistently pay the 18 - 22 % interest. 

They know they will get the 20 % back " easily ''. 
So they move my application to a " pending '' status so they don't have to give me the 20 %. 

CHASE TAKES ADVANTAGE it's customers!!!!!!! 

My " feeling '' is that are targeting a select " group '' of consumers that have existing credit card balances with a history of making payments. They are " hunting '' for the people that they can XXXX interest out of. Meanwhile - they put the GREAT CREDIT / no existing high interest debt in a " we need more information '' bucket ... It's a SCAM / discrimination / fraudulent advertising, etc ... 

I am so mad that i was denied, as i have NOT been denied for anything in 20 years as i keep my credit impeccable ... Something is WRONG with this. 

It was an " Amazon Rewards Card '' run by CHASE BANK. 

Chase is the company that is scamming / not Amazon ... I don't know who to turn too ... 

Amazon Rewards Card telephone number ( which is really CHASE ) : XXXX
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX  XXXX charged off was paid in full XXXX XXXX charged off was paid in full thru Midland XXXX and gap insurance did not pay after they said it was under investigation and I didn't have to pay anything while this was being settled. My car was stolen and totalled and they didn't go after XXXX XXXX who stole and totalled the car. Gap insurance gave an excuse that XXXX  XXXX  did not provide necessary paper work and they closed my claim after I waited 3 months for them to pay. I was left without a job cause I had no transportation and now I'm paying XXXX a month and they closed the account on me and it wasnt my fault
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me. 

My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX   of the XXXX near the back of my XXXX. The condition results in something worse than XXXX   that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber. 

I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.
Consumer complaint received 2023-06-25
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. (TN)

I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX XXXX XXXXXXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I was trying to check for free credit report from XXXX. I was trying to retrieve my score and was referred to Transunion website, where I was asked to provide personal details, credit information to create an account. 
After this credit card information window opened, but no amount was shown and I didn't realize I was making a {$20.00} order. I thought it was part of the registration process. 

Minutes later I realized they charged me {$20.00} and customer service at TransUnion was useless and didn't help saying they don'y do refunds even though membership I was tricked to purchase membership I didn't want and ask for 30 minutes ago. 
This is a fraudulent practice by TransUnion who are not being completely honest and explicit for the services they charge.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.
Consumer complaint received 2020-02-14
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. (FL)

There is a fraud alert on my credit report with Experian. I've followed the instructions according to their automated phone system and website to have it removed. The info to have the alert removed was sent via USA mail per the instructions. After a couple of weeks I called directly to try and have it expediated because its holding up a refinance mortgage I'm trying to close on. The person I spoke to was not willing to help me when I pressed to speak to someone that I could possibly email or fax the info to in order to have this alert removed. The person then hung up on me. Experian 's website and customer service is not user friendly. I need the fraud alert remove ASAP!
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: Onity Group Inc. (VA)

Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.