davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (LA)

XXXX is attempting to charge me for services I did not receive after the flood in XX/XX/XXXX. We were forced to relocate and was provided housing by FEMA. We lived in a hotel in XXXX XXXX for 3 weeks until we were able to find new housing in XX/XX/XXXX. I contacted XXXX and advised we would not be returning on XX/XX/XXXX. I have recently received notification on my credit report stating I owe {$420.00}. I contacted the Collections agency and was advised XXXX did not discontinue my services until XX/XX/XXXX. I explained the situation to the representative and he was extremely rude and advised he was going to mark my account as a refusal to pay. He was disrespectful, inconsiderate and provided horrible customer service. I contacted XXXX directly on XX/XX/XXXX and was provided the same information given by the Collections representative. I explained to both the representative and her supervisor we flooded and contacted them in XX/XX/XXXX to discontinue services due to this reason. Both advised there was no record of us contacting them and I offered proof of relocation and having found a new home and no longer resided in the flooded home. I proceeded to ask the supervisor why is it they are unable to provide any assistance as I was a victim of the flood of XX/XX/XXXX and no longer lived there. She stated they provided multiple types of assistance for 9 months following the flood to their customers. I do not understand how someone can be so cold hearted and disregard someone having lost everything and have to relocate their family. I advised the supervisor I am more than willing to pay whatever balance I had prior to the flood and nothing more as I am not responsible for their error. She said she would gladly take my payment but would not remove any other charges and I would have to file a dispute with the credit reporting agency and they would provide paperwork validating the services. What good is that if I am not responsible for the charges. I have contacted them everyday since for their manager only to be told shes not in the office. I have no problem paying what I may owe but refuse to pay for services I did not receive and did contact them to discontinue services. To explain to someone you dont know that you lost everything you worked so hard for over the years to only be told they have no record of contact and its possible to have more than one lease is beyond heartless. I have worked in customer service over 15 years and would never say anything so inconsiderate to someone and always go above and beyond to find a resolution.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance to the fair credit reporting act XXXX XXXXXXXX of XXXX XXXX XXXX account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-12
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. (MI)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified and deleted immediately. 

ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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: CITIBANK, N.A. (VA)

this bill was mailed out prior to the due date, and was claimed to have never been received by Citi, I mailed all my payments on time with no other issues, mistake on their end and they were unwilling to assist.
Consumer complaint received 2018-10-25
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)

On XX/XX/18 I obtained by Equifax credit report ( confirmation number XXXX ) and after reviewing it I noticed that I have 2 negative accounts that I do not recognize reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
Consumer complaint received 2022-03-12
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. (CA)

I reported a collection account on my consumer report that is a fraudulent account to Equifax. The collection agency sent me documents that obtained my name but my signature was forged. They denied the block because I didn't put the correct amount. I found out that the amount XXXX XXXX is trying to collect is different than the amount that is on the bill. By law when a consumer reports an account as fraud, the consumer reporting agency is supposed to block and delete that information from the consumer 's report. 15 U.S. Code 1681c2. Although Equifax has the right to not block the information, they denied the block due to information the collection provided which was a different amount that I was unaware of.
Consumer complaint received 2022-03-12
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: FIRST CITIZENS BANCSHARES, INC. (VA)

I have a delinquency on my credit report from a bank account I had in 2017 through XXXX bank. Before I could resolve the issue the bank was closed or merged into first citizens bank and they have no record of the account for me to even resolve the matter. Therefore I have a delinquency with an agency that is no longer in business.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (AL)

I recently paid the debt debt collection dealing with XXXX XXXX XXXX to ASSET CARE located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They had not removed the letter but sent me a letter in the mail stating the debt was paid. 

Now that I received the letter it has been placed again under a company that is right accoss to their building CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I believe this company is trying to scam more money from me under another debt collector
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

XXXX accounts that I have are under forbearance with the COVID-19 protocol that no payments were due until XX/XX/2022... I have been getting harassing emails, phone calls and letters. 

The accounts are up to date until the forebearance period is over. 


These accounts are well over XXXX XXXX XXXX and should have been removed from my credit but illegal collections activities are making this very stressful Please resolve
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I made a transaction with XXXX XXXX  on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on XXXX XXXX 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. XXXX XXXX is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
Consumer complaint received 2018-10-25
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)

My social security number was stolen to apply and open accounts on my credit file. Equifax refuses to remove the fraudulent items on my credit report due to ID theft. I do not know who opened the accounts in my name but they are not mine.
Consumer complaint received 2022-03-12
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. (FL)

ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Evergreen Financial Services Inc. (WA)

I received a call on XX/XX/XXXX at about XXXX from a representative for Evergreen Financial services named XXXX XXXX. XXXX told me that the payment was in default and she needed a payment in full. I told her I don't have the full payment, I have the {$190.00} we originally agreed upon. She insisted that i needed to make a payment in full ( which was a lie ) and asked if I had a credit card. After another exchange of words she asked if i could make a {$200.00} payment. I told her if that's what she needs, then I guess so. I gave her my debit card information and she process the payment with the confirmation # XXXX. Ask for her name and told her I was reporting her. Ms. XXXX 's unprofessional behavior and communication tactics are harrasing, misleading and hurtful.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Consumer complaint received 2023-03-20
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Mortgage with XXXX XXXX for {$570.00} k Int at 8.95 %. XXXX suffered hardship of a divorce and asked for a Modification sent complete package. XXXX kept asking for the same documents over and over and it was denied. Called XXXX and I was told not to make payments for them to help me. Insurance was placed and was charged two times one for {$3400.00} dlls XX/XX/XXXX and the following month {$1600.00} XX/XX/XXXX. on XX/XX/XXXX rec. The cost on insurance {$1000.00}. On XX/XX/XXXX had insurance placed again for {$3400.00} dlls. Now my balance was $ XXXX with all the int and over charging of insurance {$7500.00} dlls. XXXX kept loosing documentation and I kept sending it back to them. On XX/XX/XXXX received notice of default letter. Loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX. I kept sending the same package for a modification. 
on XX/XX/XXXX Modification was denied. Sent them another package for modification and it was denied again XX/XX/XXXX. Now XXXX XXXX  XXXX kept adding charges to my account and insurance was placed XX/XX/XXXX at {$4400.00}, overcharged {$3000.00} dlls. On XX/XX/XXXX insurance was placed again {$2500.00}, over charged {$1500.00} dlls. On XX/XX/XXXX Insurance was placed again {$5900.00} dlls, over charged XXXX dlls on XX/XX/XXXX trustee sale recorded balance $ XXXX. House was sold for $ XXXX XXXX. I filed for Bankruptcy the same day and sale was rescinded. Loan transfer to XXXX XXXX XX/XX/XXXX. I Kept sending complete packages for modification. Again denied on XXXX. On XX/XX/XXXX XXXX XXXX approved Modification with a Loan Balance of $ XXXX and received a letter that all late charges would be waived. There were no charges waived. The Banks kept loosing my paperwork purposely to be overcharged.My Loan was modified to {$2400.00} XXXX dlls per month 2 % int. I would like help on lowering my Principle. As you can see I have been overcharged on placement insurance, and many extra fees that I was over charged for not approving me and string me along to charge all the fees. It took 6 years to approve the modification unbelievable, And I have documentation to support everything. The Value of my home at this time is around $ 750K. The loan is underwater and it has been for 4 years. I called the new servicer SPS asking for the accounting of my loan since it originated. It took about 5 calls and finally they sent one. It can not be read I called them to explain the ledger form it was sent and I was told someone will call me back to explain. I need help on lowering my principal.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on XXXX not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that XXXX payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and XXXX mailing a certified letter to the XXXX XXXX XXXX XX/XX/2018.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I was extended an offer to upgrade my XXXX card, and was told I would receive XXXX bonus points and a waived annual fee. The annual fee was not waived, I paid for it XX/XX/XXXX and have been dealing with Chase via SM for almost three months now to get it refunded. I paid an {$85.00} annual fee that should have been waived.