davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (IL)

In XX/XX/2017 Oceanside changed it's processor. I sent a manual payment using their software for XX/XX/2017 and attempted to set the the ACH transaction for further payments. 
As far as I could determine, the payment was set up correctly. It appears that it was not for XX/XX/2017. 
Unfortunately, I was not able to monitor this failure to process a payment since my wife had undergone a second XXXX to XXXX  a XXXX  XXXX   XXXX  in the space of three weeks. Additionally, we were still dealing with the aftermath of a XXXX  XXXX of a XXXX  XXXX  earlier in the year, with wound XXXX complications. 
Also, I had XXXX with XXXX to respond to both Hurricanes Irma and Maria spending over 37 days in the field. With my wife recovering from surgeries and my being gone it was difficult to keep any control over what was going on. 
I realized that an issue occurred reviewing XX/XX/XXXX banking transactions. I had a conversation with Oceanside and set up a workout program to make things whole. 
Unfortunately, not trusting the software that Oceanside had set up, I sent manual payments through my bank. It appears that these payments got lost at Oceanside and did not post appropriately. 
Thus Oceanside is marking these as delinquent even though payments were made. Multiple attempts to contact them have not resulted in any resolution of this.
Consumer complaint received 2018-08-27
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: EQUIFAX, INC. (MI)

Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2023-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (CA)

I received alerts from XXXX about a debt consolidation loan. I finally looked into it and the loan by Prosper seemed to meet my needs. XXXX XXXX clearly states on their site that preapproval will not affect your credit, although a hard credit report may be pulled at a later time.

I clicked through to provide my basic information for preapproval. I almost immediately received a notice that they could not go any farther in the process, but to try again in 30 days. A few days later, I received a notice from my credit monitoring that I had a new hard inquiry on my credit reports. 
I reached out to Prosper and they sent me a form letter telling me that I had authorized this. I clearly told them, and am telling you now, that I did not. If they are partnering with XXXX, then they should follow the terms that XXXX promises its customers. I would not have clicked through if I had known this, as I was merely inquiring and not ready to apply. 
On the attached info from Prosper on the XXXX website, it says : " Checking your rate with not affect your credit score. ''
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC (GA)

I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Medical & Professional Collection Services, Inc. NC. (IL)

First when was this bill issued for me and why I haven't been to hosptial for many years and I have been on public aid medical card for year 's now no reason why I should have any bills from any hospital since 2007 till now .. I have tried to contact thos company but I get no one, only a machine on the other hand .. I believe I'm not liable for this bill thank you for looking into this matter.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies 3 this information that results from alleged identity theft. Also, 15 US Code 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal Consumer Reports immediately.
Consumer complaint received 2022-07-09
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 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 XXXXXXXX, 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 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (TX)

Good morning, I have attempted to close all my TD credit cards ( XXXX, and XXXX ) but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Consumer complaint received 2018-08-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (PA)

I, XXXX XXXX XXXX, own a townhouse at XXXX XXXX XXXX, XXXX, PA XXXX, Parcel ID : XXXX. On XXXX, I obtained a Home Equity Loan with the JPMorgan Chase Bank, NA, Home Equity and Consumer lending Division, XXXX XXXX XXXX, XXXX, OH XXXX. The current loan number is XXXX. 

The issue here is why did Chase pay {$250.00} to a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX when it was already paid in XXXX. The Township Tax Collector has confirmed the payment in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. As shown in the letter, the XXXX tax amount of {$200.00} was paid in XXXX but Chase made a unilateral decision to make an overpayment of {$250.00} to debt collector. The Township Tax Collectors letter is attached for your perusal. 

There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not have any provision to pay the XXXX tax. This Chases action is in violation of the Evidence of Payment section of the mortgage. 

Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. 


It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. Chases own title search in XXXX prior to approving my loan did not find any lien. The XXXX payment of {$250.00} to a debt collector must be removed from my liability.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (WV)

I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX  XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

This is my second complaint filed against this company. After your initial complaint was responded to by them stating they would in compliance inform the CRA involved, ( XXXX, XXXX ) to delete this false entry, as of this date it still remains. You can review my previous complaint for info. Furthermore a dispute letter was sent to this company previously asking for proof of debt with my original contract, signature, and monthly balances claimed which they have never produced. Please assist me on taking further action.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Risecredit, LLC (MO)

On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C. (CA)

Gurstel Law Firm has contacted the wrong person at the wrong address in an attempt to get money for a debt that was setup fraudulently. This company has made threats time and time again. If Gurstel was so credible, they would know the information they sent went to wrong person at the wrong address.
Consumer complaint received 2018-08-27
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. (TX)

My complaint is late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX. The problem that I am having is, XXXX still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX  responsibility to correct the problem and XXXX   says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-07-09
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (IN)

I have disputed the alleged debt on a number of occasions yet XXXX XXXX continues to attempt to collect. Over the last several years they have placed this account for collections with multiple, third party collection agencies. I have disputed this debt with each collection agency and each time it has been removed from my credit bureau and I have been assured that it has been resolved/cleared. This is a never-ending cycle where XXXX will place the account with a collection agency, the agency will report to the credit bureaus-I then dispute the debt and the debt is removed from my credit bureau and I don't hear anything for a while until XXXX then places the account with another collection agency and the cycle repeats. Currently, XXXX has placed this alleged debt for collections with Maury Cobb Attorney at Law, LLC for collections. This is the 5th or 6th collection agency they have placed this account with. I do not owe the alleged debt. I have disputed this with XXXX directly. I have disputed this debt with all of the various collection agencies they have placed the account with. With each dispute, I have received confirmation that the alleged debt has been canceled and that the debt is removed from my credit bureau report. However, this is only temporary until XXXX XXXX decides to again, place this account for collections with yet another collection agency. This cycle does not end however it needs to end now.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC (GA)

I want to report the following mortgage investor and collection agency companies for unwilling to negotiate 2nd lien that was filed in a bankruptcy in XX/XX/2009 and they have bought this paper and forecing me to pay them by putting my home in foreclosure. my home is still underwater and currently is not behind on the 1st lien mortgage due to a loan modification completed in bk under the HARP program ; The two companies are the following : " XXXX XXXX XXXX XXXX '' and " Madison Mortgage '' I filed BK XXXX in XX/XX/2009 and during that period the 2nd lien was with " XXXX  ''. XXXX during the BK process was showing on credit report as the debt being charged off. For this reason this debt was not " reaffirmed '' for the option to do a loan modification. Also due to the home severely under water. Since then this loan was sold to several investors and the latest investor ; XXXX XXXX XXXX '' has bought loan and started to send out demand letters for me to pay them. Since the Lien is still tied to the property and never was Stripped my BK Attorney only option was to try and negotiate with the the investors. The investors is using : Madison Management '' as the the third party collection agency to try and collect. we have tried to offer several amounts to pay this lien so they could remove it from title. All offers were denied.They want me to pay the full balance that was due at time of BK filing, all late fees and attorney fees. They also want me to pay a 9.50 % interest rate which is to me predatory.

I Have sense hired a different attorney who has been trying to negotiate this lien and have been very unsuccessful as well. They have denied every offer the attorney has offered.

The investor has scheduled my house to be foreclosed as a way to strong arm me into paying them what they want me to pay them.

this practice is unlawful and i know i have some sort of rights to protect and save my home.

Since filing BK i have been currently with the first lien with no late and do not want to file BK again just to stop them for foreclosing They have also violated my privacy by researching me online on XXXX  to discover I have a business and is married. So the feel I have the means and capital to pay them what they want me to pay them.

This has been a very stressful situation and now is affecting my health as I need help stopping this investor from violating my rights
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TX)

The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.
Consumer complaint received 2018-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (FL)

On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.