davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (PA)

XXXX Equifax stated that XXXX XXXX and Equifax verified that this account belongs to me, and they have again for the XXXX time modified the information on my file regarding this account. The balance, past due, actual payment, scheduled payment, date of last payment, and portfolio status is constantly incorrectly modified. 

On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I requested Equifax for " Validation '' of this account not " Verification '' of my name, address from XXXX XXXX which is an account that does not belong to me that they are displaying on my credit report. Not only the account does not belong to me, but the account has also been paid in full as agreed ( See document verification ). This is not a collection account and there is no negative balance. I have spoken and mailed certified Equifax and XXXX XXXX myself several times and they both have not been unable to provide me validation. Instead, Equifax keeps altering the information ( amount due, balances, account status which has occurred over XXXX times. If Equifax verified this account, the information should not have been altered and different each time which occurred XXXX times. 

Furthermore, not only this account is not mine this collection must be deleted, because I " paid in full as agreed. '' By law, its required to delete this account and XXXX agreed to delete all references to this account per agreement ( see attached )
Consumer complaint received 2022-05-05
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 — Investigation took more than 30 days
Company: Frontline Asset Strategies, LLC (TX)

This is not my account, I do not have a XXXX  account before. I have try to called them to get this off my credit and tell them keep give me the running around about this. My name have been change since XXXX i do not go but the last name XXXX  anyone
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate dispute To whom it may concern, I recently sent Experian a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the XXXX account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it.

4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (AK)

I am being charged interest on the original amount of my loan, even though the balance has been declining for months. Here are the details : the company " XXXX by XXXX '' sells windows and uses " Green Sky LLC '' to provide interest-deferred loans that are interest-free if paid off by the end of a promotional period ( otherwise, in my case, it's a 24.99 % rate ). The promotional period for my loan through this process ( to purchase new windows for my home ) was 2 years. While monthly payments are recommended, none are required. For several months I didn't make any payments, but eventually I did. My original high balance was {$12000.00}, and the first month ( XX/XX/2021 ) it reached this balance my account was charged {$250.00} in deferred interest. Fast-forward to my XXXX statement : my unpaid balance is now down to {$11000.00}, and the deferred interest charge added is ... {$250.00}. Green Sky has been charging me that amount on every single statement, even as the unpaid balance has diminished. I called Green Sky customer service to point this out. I was told that that's just the deferred interest for my loan, and also that it wouldn't matter unless I went past my promotional time period and had not paid off the loan. The actual contract has 2 items that indicate charging interest on the original loan amount regardless of the unpaid balance amount is wrong. The first is this ( from a Q & A section ) : '' ... it is a good idea to make regular payments to minimize any deferred interest you might owe if the purchase balance is not paid in full before the end of the promotional period. '' The second is an element of the contract itself : " For value received, you agree to pay us : ( a ) so much as you may actually borrow from time to time by initiating transactions under the Loan Agreement, plus ( b ) periodic interest at an annual rate of 24.99 % on the unpaid Amount Financed outstanding '', and " We calculate the interest charge on your account by applying a monthly periodic rate to your outstanding principal balance on the first day of your first billing cycle and thereafter to your outstanding principal balance on the first day of each billing cycle. '' The operant wording indicates " unpaid balance '' or " outstanding principal balance '' is the amount interest is to be calculated on, and even the Q & A statement indicates a lower balance will result in lower interest owed. In Green Sky 's actual practice, you are charged interest on the original loan amount for the entire length of the loan, regardless of remaining balance. My balance of {$12000.00} was charged {$250.00}, and months later, my lower balance of {$11000.00} was charged the exact same amount of interest, {$250.00}. Directly complaining and explaining this to customer service resulted in no change or acknowledgement that anything was being done incorrectly, even though it's an obvious contract violation and morally ( and no doubt legally ) fraudulent.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Since at least XXXX of 2017, I have been unable to initiate an online dispute with Experian. I do not have the same problem with XXXX or XXXX. I am able to answer my soft-pull identity verification questions with ease. 

I thought that the issue was perhaps that I did not have a very recent copy of my credit report from Experian. On XXXX XXXX, I attempted to request my free annual report thru the online service. I received an error that I would have to initiate the request manually. I received my credit report by mail, and now on XXXX XXXX, I still can not initiate a dispute online. 

I tried contacting Experian by phone. The representative was unhelpful. There is no technical support team to help. Nor is there any other source of information to fix my issue. I even asked for the name of the executive office with which to write correspondence to get to the bottom of this. The representative provided a PO Box for general credit inquiries, completely ignoring my need for higher level assistance. 

I suspect that Experian has blacklisted me from using the online service to initiate disputes. I do not know for what reason, and without correspondence from them regarding the nature of the blacklist, I 'm unable to rectify the problem.
Consumer complaint received 2022-05-05
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)

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2022-03-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  / XXXX  Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-16
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-16
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-16
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. (CA)

On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to XXXX XXXX on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. XXXX cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from XXXX about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted XXXX and were assured that my account was credited for the full amount. I was still getting calls from XXXX about delinquency. Finally, XXXX was able to straighten the matter out, but XXXX refuses to delete the delinquency from my credit report with Experian, even after I provided copy of the cashed check.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

I was notified by my credit monitoring agency that an account had been reported to my credit bureaus. i never recieved notification of these debts because I moved several months ago. I never recieved a phone call. I never recieved notification of the debt in writing. I offered to pay the debts in full if they would contact the credit agency and have them removed but they refused and said it was not possible. This has happened to me before so i know that it is possible. The agency was very rude. They claimed they had several bills with me from two XXXX. I called those XXXX  and paid the bills with one and when I called the other one, they said that they did not even have a bill in my name. When i tried to get off the phone with the agency, they said if I didn't pay all the bills today they would report them to my credit agencies. They also said that they would refuse to take my payments unless i gave them my phone number. Their tactics were intimidating and unethical and were not in the business of moving to resolve to pay the debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (NY)

I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.
Consumer complaint received 2022-03-16
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. (MD)

Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, XXXX, and Transunion but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (PA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-09-08
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. (FL)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Over four years ago I was laid off from my job. I contacted my mortgage company, who first told me to apply for a HARP program, and that I could hold off on my mortgage payment until I got an answer, as the mortgage amount would be rolled into my new mortgage. I did not do this, I paid my mortgage on time. I was then told I did not qualify for HARP, but that they had some internal refinance programs I might be eligible for, had me go through the entire application process again ( twice, they " lost '' my first application ), and I was again told I could skip my mortgage payment while a determination was made. I did not skip the mortgage payment, and I was not given a company refinance plan either. I attended one of those mortgage conferences ( XXXX ) where lenders from all the different mortgage companies are there, and was told by a representative from Ocwen that the lender was not going to modify my mortgage and give me a lower interest rate. This was because with the amount of equity I had built up in the property it was more financially advantageous for them to wait and foreclose, even if it took a year! Finally, the mortgage company allowed me to pay an abated amount for three months while I searched for a job. I made these payments in full every month on time. At the end of the three months they sent me a bill for almost {$4000.00}, with a letter stating if I did not pay foreclosure proceedings would be instituted! In addition, they put a 30-60-90 day late note on my credit reports. I borrowed from family to save my home, and have paid my mortgage payments since. They did " modify '' my mortgage after that, from 6.625 % to 6.2 %, for 30 months, which has since expired as well. However, both the late payment marks, and the " modified '' mortgage note shows up on my credit report. I have repeatedly requested these be removed, by calling the lender directly and by requesting through the credit bureaus, and have been denied since they are " within their legal rights '' to keep these on my credit report. I went back to school and got a degree in accounting. I am afraid this type of black mark on my credit report might affect my ability to get a job in this field as they now run credit checks. It has been three years since these " late '' payments which to my way of thinking were not late to begin with, why will they not remove them? I was not told at the time that they would be treated this way on my credit report either. My original mortgage was not through Ocwen, I was sold twice before I made my first mortgage payment to the original, and then an intermediate mortgage broker, finally ending up with them. It was not because of bad credit, or because of missed mortgage payments, but simply rolled into a block of mortgages bought by this company. They have been a nightmare ever since, with poor communication, " lost '' paperwork, inability to manage escrow accounts, etc. Please help me, this severely impacts a credit report that would otherwise be quite good.
Consumer complaint received 2022-05-05
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. (NY)

This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX : A final payment of {$28.00} was sent to XXXX XXXX. 
XX/XX/XXXX : XXXX received the check BACK FROM XXXX XXXX! 
XX/XX/XXXX : Another payment of {$28.00} was sent to XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX, to ensure the payment was received and not returned. 

- I have copies of my XXXX Statements verifying all transactions. 
- I have a new statement from XXXX XXXX  indicating I have a {$28.00} credit. 

NOTE : I KNEW sending a check to XXXX XXXX  was a viable solution because during an earlier phone call with XXXX XXXX in which I tried to tell them I had sent them the {$28.00} payment, the representative actually looked at the Woman Within account to see if it had been credited to that account. It had not at that time ; so I resent the payment on XX/XX/XXXX. 

My credit report has been affected due to their error. The incessant phone calls for {$28.00} from Commenity Bank is ludicrous and verges on harassment.