davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NE)

I had a bankruptcy trial in XXXX 2015 which was mostly regarding private student loans. I won the case and had all of my private student loans discharged in the bankruptcy. After several months of monitoring my credit, I saw that XXXX XXXX XXXX XXXX account continued to say " open '' despite having a note that it was charged off as bad debt on my Equifax report. The same account on my XXXX report stated that the account was closed, which is correct. I disputed with Equifax and got a simple repsonse back that they checked with XXXX XXXX XXXX and XXXX XXXX XXXX said the information was correct. This student loan that was legally discharged by a federal bankruptcy judge is over {$24000.00} and is still showing up as of today on my Equifax report as open. It does n't make any sense and Equifax did n't seem to do anything other than take XXXX XXXX XXXX word for it rather than doing independent research ... especially when looking up the court order would be free and easy. 

I am naturally trying to get my credit back on track so I can have a normal life and it is a SLOW process I am learning, but this misinformation is only making it worse.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (FL)

Millenial Home Lending , Inc. sent me a letter offering to refinance my mortgage. 
Only, the return address on the letter that showed through the envelope was not " Millenial Home Lending, Inc. '' but rather my original lender. The entire letter is written as if it is coming from my original lender, but only at the very bottom does it have a disclaimer that Millenial Home Lending does not have any affiliation with my original lender.
Consumer complaint received 2020-07-31
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. (AL)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Consumer complaint received 2021-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

What is this XXXX? Equifax XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX It 's complete XXXX They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this siteXXXX into a scam to drive people to their pay sites! 
Internet Delivery Unavailable - Mail-in RequestWe 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 


Request by MailTo request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX Request ServiceXXXX GA XXXXPlease include with the attached form a copy of XXXX item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

IdentitySocial Security cardPay stub with Social Security NumberXXXX formAddressDriver 's licenseRental or lease agreement/house deedPay stub with addressUtility bill XXXX gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, XXXX forms XXXX. To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.
Consumer complaint received 2023-06-13
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT XXXX XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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 XXXXXX/XX/XXXX PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. 
It was for a credit collection for XXXX XXXX  address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.
Consumer complaint received 2020-12-23
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: Medical Data Systems, Inc. (AL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$5500.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$100.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$4300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$950.00}
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Caliber Home Loans has repeatedly wrongfully assessed a late fee. I send all payments via USPS Priority Mail with signature required. Despite proof of receipt on XX/XX/2020 at XXXX XXXX. Caliber Home Loans sent my account to collections and assessed a late fee on my XX/XX/2020 statement. The receipt date for processing according to Caliber is XXXX on the XXXX. 

I have USPS signatures on all payments made to Caliber Home Loans, including 5 others in which Caliber Home Loans has assessed a late fee. I have previously requested from Caliber the ( 1 ) month, year of the alleged late payment, ( 2 ) date the payment was allegedly received by Caliber Home Loans and ( 3 ) date Caliber Home Loans processed the payment. Caliber has never provided the requested information. 

I made the request again to Caliber Home Loans in my XX/XX/2020 letter. 

I
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Received a call from XXXX XXXX ( XXXX ) at XXXX XX/XX/2018. She claimed to represent Portfolio Recovery. I get calls from these bottom feeders from time to time. I do not owe money to anyone, my credit score is over 800. I'm on the do not call list and she called me on my business phone. I don't have time for this nonsense, please make it stop.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AR)

I am very sick an living on XXXX.I tryed to explain this to the people on my credit report but i only get a very small amount to live on. I wish they would remove this items off my credit report.They just keep changing names. 

XXXX XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (GA)

my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Consumer complaint received 2015-10-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MO)

Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

I dont understand why this company keeps doing this, they are relentless! 

Multiple times throughout XXXX I have been able to get these alleged debt accounts removed off my credit but this company keeps coming after me and now its continuing into XXXX. 

Im tired of this, these debt accounts were previously removed from my credit and credit report with all 3 credit bureaus several times! 

I want this to be the last time and for good! This is not right that these companies are doing this to us. Like most people in the United States, I was affected by Natural Disaster COVID-19 : JXXXX XXXX. Going through Divorce : XXXX XXXX. My Ex-Husband is Responsible for this Account and again these accounts were previously REMOVED from my Credit several times.
Consumer complaint received 2017-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MO)

I opened a credit card with Discover bank in XXXX. Up until late XXXX, I was a great customer and never late on my payments. In late XXXX, I became XXXX and endured a very complicated XXXX. During that time up until late fall of XXXX, I was unable work and I did not have any income. This resulted in my becoming delinquent on my payments. I regained employment in XXXX, and in XXXX XXXX I spoke with Discover and settled the balance owed. The terms of the settlement included that I would pay 1 lump sum payment and Discover would update the account to the status as paid in full or delete the account from my credit in its entirety. I specifically requested for the account to not have the coding of settled and that all negative reporting be deleted, so that my credit can be restored at maximum opportunity. I have been going back and forth with Discover for 2months and I have not received any responses. Additionally, the account still reflects a charge off balance and shows settled. This is not what we agreed upon. I feel as if Discover has taken advantage of me. I paid what they asked for me to pay and they completely disregarded the agreement that we had in terms of settling the account. 
I want this account either deleted or update as paid in full with all negative reporting removed. Also, I want those phone conversations reviewed, because I am most certain that they agreed to the terms that I have stated. I have also attached proof of where my account is still referencing charge off and settled.
Consumer complaint received 2023-01-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

The US Bankruptcy Court Eastern District of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, XXXX, Experian, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court Eastern District of Michigan explaining they do not give experian, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, the consumer XXXX XXXX, received a notice on XXXX, XXXX, 2022 via email that TRANSUNION credit reporting agency placed an account from XXXX XXXX XXXX for {$1300.00} in collections. Which is a violation of 15 USC 1681c ( a ) ( 4 ), for any accounts placed in collections and charge offs must be excluded from my consumer report. I never gave Transunion, a written permissible purpose to furnish ANY account or information on my consumer report pursuant to 15 USC 1682b ( 2 ). Transunion, has failed their responsibilities of accuracy and fairness due to reporting information and communicating with a 3rd party about me the consumer which is a violation and no respect for my right to privacy, pursuant to 15 USC 1681 ( 4 ). TransUnion, actions have lead to damages and injuries in my life such as but not limited to ; tarnished my reputation, caused XXXX, marital issues, and my lack of confidence in the banking system due to the WILLFUL NONCOMPLIANCE of the Fair Credit Reporting Act ( FCRA ). ( 15 USC 1681n )
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NJ)

Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports
Consumer complaint received 2018-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (TX)

I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX  with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.