davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting the bureaus to look into this matter as required to do so under the FCRA but my request seems to be ignored. The following accounts that continue to cause damage to my personal file are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MN)

I received two phone calls from this company demanding payment on a debt. No written information was provided on the debt. Shortly after receiving the first call from this company a written dispute and request for validation letter was mailed on XX/XX/XXXX. During a second call with the representative I again informed her the account was in dispute and that I had requested validation of the debt. 

Today, XX/XX/XXXX this agency has reported the account to the credit bureau, did not indicate the account was disputed, and has failed to provide verification of the debt as requested on 2 separate occasions.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes. 

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc. (FL)

This will be my one last complaint. I began disputing to XXXX XX/XX/2015. I was given complete instructions to go through the XXXX. I summed full details as requested over these years. I read about all the class actions suits XXXX won in the courts, XXXX Mortgage XXXX DBA Seterus XXXX XXXX Each pertaining to my claimed with factual evidence. XXXX denied to investigate. Next, XXXX changes their business name to XXXX, Seterus is now XXXX. XXXX gets paid by each complaint written on your website. Allowing all illegal fiancial institutions involved to remain concealed. With all abilities to continue the exact crimes just with different names. Today my statement of this complaint is directed to the XXXX. I will continue to share my evidence to the public. Each homeowner is dismissed by XXXX. It's business & a pay-check for XXXX. This is conspiracy. Hundreds of thousands of people who have been requesting assistance have never gotten the XXXX assistance. We have United together. We are exposing CFPB
Consumer complaint received 2024-02-09
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. (PA)

Theyre not allowed to report income in student loans. Its against the law to report transaction history from a student loan under the law 16 cfr 313.7 and 16 cfr 432.2 and the Educational and Privacy Act 15 usc 1681
Consumer complaint received 2017-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (AL)

I submitted my annual re-certification information for my income-based repayment plan several weeks ago. Two days after the plan was due, I received a letter in the mail letting me know it was rejected because I did n't submit my tax return ( which I did ) and I did n't submit the " eCertification '' form. The instructions never included a requirement for an eCertification form. I logged into my tax preparer website and could only locate a screenshot verifying that my tax return was submitted successfully. I called customer service and they are n't familiar with this form either. Since they will only correspond by mail, I am worried that I will submit this screenshot only to be rejected. Second, enclosed in the letter I received, are instructions for my spouse to login to the studentloan.gov page to authorize my IBR submission. No where in the original instructions was this requirement disclosed to me. I have done this for other servicers, but it is included in the instruction. I would have done this weeks ago had I known. However, I am not sure this is even a requirement because the instructions are vague and there is no mention of this in the letter. I asked customer service and they said for my husband to do this asap. He did, but the code they sent did n't work! So I am in limbo.
Consumer complaint received 2022-10-27
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. (NC)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (CA)

On XX/XX/2022, I disputed several items on my Equifax credit report. On my letter, I requested that Equifax, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. After several months, Equifax has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my Equifax credit Report. Equifax is in violation of Federal Law under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (OH)

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 XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

Hello Sir /Madam My name is XXXX XXXX and I thought you guys might be able to solve this issue for me! My credit score was hurt really bad after this company reported invalid charges on me for a story happened 2 years a go and without even contacting me or at least try to communicate with me about the issue, instead they decided to report these charges to credit score company and my score was dropped from XXXX to XXXX this is a big harm to my credit! Im type of person never missed any payments on anything with very good credit history but i was really affected by this unfair situation i find myself in. The short story is that I purchased the phone back in XX/XX/year> from XXXX XXXX XXXX and this phone was returned to XXXX XXXX XXXX via return label was issued by XXXX XXXX XXXX after contacting them about the return process the return tracking number, XXXX # XXXX. Now after XXXX years without contacting me, I was shocked yesterday thats my credit score went down XXXX points because of this company reported me to experian credit score. This unfair and i feel oppressed by this company! 

Account number in this company : XXXX Thanks and regards for giving me the opportunity to explain my situation XXXX XXXX Phone Number : XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting some personal information - INCORRECT ADDRESS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (WA)

In early XXXX I called Netspend Bank to close my banking account. I requested all funds to be mailed to me. This did not happen. I called back on XX/XX/XXXX. They had not closed my account as they told me they would. I requested a second time for the account to be closed and a check sent to me with the {$1000.00}. I gave them my address for the check to be mailed to me. I was told that I would recieve the check within 7-10 business days which would have been XX/XX/XXXX and XX/XX/XXXX. As of today I have still not recieved my money. I called back on XX/XX/XXXX at XXXX. The CSA told me that {$25.00} had been sent back to the orginial depositer, {$970.00} to another original depositer and that {$49.00} was still in the since closed account with them. Both the {$25.00} and {$970.00} were sent to bank accounts that belong to my wife and have since been closed. At this point I have no idea where my money is. The CSA gave me a tracing #. I have no idea how to even use this number to find my money. While on the phone I was transferred to a superviser and was then disconnected and hung up on after dealing with them for over a half hour. This bank has essentially stole my money.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

My student loans were forgiven as of a letter dated XX/XX/2023, indicating this forgiveness would be effective as of XX/XX/2023. My balance on all three credit reporting agencies still indicates a full balance. I am requesting that the balance reflect a XXXX balance.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (GA)

XXXX XXXX I noticed online there were hard inquiries on my credit profile from 700 Credit XXXX XXXX XXXX. Later in XXXX, I also received a letter stating the same thing and I noticed my name was also spelled incorrectly. I have attempted to contact 700 credit and XXXX XXXX but they have been no help nor could they prove I authorized a hard inquiry on my credit profile.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (VA)

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws.

My information was compromised in the XX/XX/XXXX Equifax Data Breach and I have made that very clear to Equifax.

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX XXXXXXXX. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

Our loan originated with XXXX XXXX XXXX XXXX in XX/XX/XXXX. We continued to make mortgage payments and tried to contact XXXX XXXX with questions about the structure of our mortgage, only to find that XXXX XXXX XXXX took over the company. We requested proof from XXXX XXXX XXXX on mortgage ownership. They sent the requested documentation. After reviewing the mortgage documents, we noticed that both of our signatures were forged on some documents. Shellpoint Mortgage Servicing bought the servicing rights. now they have ignored our requests to send paperwork to support their claims of an fraud investigation into our case. They have pushed to Sheriff Sale our home XX/XX/XXXX. We paid our mortgage payments consistently on time every month on a 30 year interest only loan up until I lost my job. We are disputing the {$230000.00} amount stated in the letter sent by XXXX XXXX. Our records indicate that we owe less than 50,000 dollars on the home. Upon reading newspapers and seeing news reports, it was revealed that we were victims of Predatory Lending.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (RI)

On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upgrade, Inc. (CA)

XXXX  I was quoted {$25000.00} to paint my house and after saying no, they changed the amount to {$22000.00} and then changed the amount to {$11000.00}. 
XXXXXXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) is the company that made the quotes and keeps changing the quote amount to paint the house. 
I was originally told that this was a government rebate loan and that the government would repay the loan to the construction company. I inquired how this loan would be repaid and on another call, I was told that the government would pay {$10000.00} and I would pay {$11000.00}. 

At this point I have no idea how much I owe on this loan and the loan company : Upgrade Financial Services says that I am behind {$11000.00} since XX/XX/year>. This was done via text message and no formal documentation has been sent to me regarding this loan or the amount I owe. 
I tried to cancel the project, but they brought in more workers to rush and finish the job. 

I asked how do I pay the principal down and I was told I had to pay the interest first. I was told it would take 180 months at $ XXXX to pay this loan off. 

I am XXXX XXXX XXXX and am a XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

since XXXX this loan servicing company, or for better words loan servicing scammers have been manufacturing in bad faiths a default, we have paid our mortgage on time and everything month since the inception of the loan which was XXXX, XXXX of XXXX and have never missed a payment, and we pay our taxes and insurance directly to the XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX insurance company. and despite all the evidence provided and there records as we have every record and payments made on file. they continue misplacing our mortgage payments, not applying the payments to the account and charging me thousands of dollars not owed. this bank loan servicers are a scam, despite my complaints to your office, you have failed to investigate this matter deligently and do something about it. as they are hurting my household as citizens and consumers that we are.