davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (TX)

I received a XXXX from PHH Mortgage Corporate for a charged-off mortgage. The XXXX is inaccurate. Specifially, box # XXXX ( identifiable event code ) is incorrect. Box XXXX current lists " XXXX or Policy to Discontinue Collection '' as the event code. However, this loan was part of my bankruptcy that was filed in XX/XX/XXXX and the home was later foreclosed on. Accordingly, the code should be reported as " A-Bankrupcy. '' The reporting is incorrect and I was unable to correct this by speaking with the customer service represenative, the issue was not able to be resolved. 

Further, there was a recovery of part of the debt due to the foreclosure sale in XX/XX/XXXX. Accordingly, the amount of chargeoff is less than the amount shown since much of the balance was recooperated with the foreclosure sale.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc (NE)

Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2024, I sent a first class letter to TransUnion requesting the name, address, and phone number and all other documents that were used to verify each account that was investigated. By law, they have 15 days to send me this information but they refused to send it. They received my request onXX/XX/2024 per the USPS tracking system. They are in violation of my rights as a consumer.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am submitting a complaint against Equifax for their failure to resolve my disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address inaccuracies on my credit report, Equifax has not taken appropriate action. 

On the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX, I mailed dispute letters to Equifax requesting an investigation into several items on my credit report. These items contain information that I believe is inaccurate and incomplete. 

In response to my disputes, I received only one communication from Equifax in XX/XX/year>. However, the response did not adequately address the issues raised in my dispute letters. Instead, Equifax merely stated, " The results are : XXXX : Member number submitted not reporting as inquiry on credit file. Please verify the member number and resubmit your dispute online. '' I am dissatisfied with this response as it does not provide a resolution to the inaccuracies on my credit report. Furthermore, I have a legal right to dispute these items by mail, and Equifax 's insistence on online submission is unacceptable.
Consumer complaint received 2022-02-07
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. (VA)

I have new & updated information on XXXX, EXPERIAN, and XXXX. Someone is using my identity to furnish items on my behalf. XXXX, EXPERIAN XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, EXPERIAN received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX XXXX XXXX and EXPERIAN Them= XXXX, XXXX, and EXPERIAN
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (GA)

I want to make a complaint regarding Prosper.com. This loan company is applying all my payments to interest and claims that it is due to the COVID-19 pause that I took advantage of in 2021. Since then, they will not tell me how much interest is due even though I am paying them back regular installments since XXXX. Also I have tried to call multiple times to see when I can expect to have the interest paid off and they will not provide a response. All I want to know is when I can expect to see all the back interest paid off.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

Ok I 'm trying to make or rebuild my credit with a business loan and a car loan, I been making my payments on time so therefore my credit was increasing every month, from XXXX went up to XXXX so when I come and check this month on my equifax account, it went down to XXXX, i know I ca n't apply for not credit cards or loan because my credit will go down, so i have n't apply for nothing because I ca n't afford another bill and my goal is to increase my credit not to lower it, I believe someone might be using my info to apply for credit cards, because equifax says I recently apply for a credit card and that affected my credit score so I would like this to be fix, because I did n't apply for nothing, also would love to know how to stop this person from using my name, please I need help with this
Consumer complaint received 2021-02-19
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. (SC)

eqifax is negatively reporting XXXX XXXX to my credit report and according to the FCRA they can't report anything inaccurate or unverified it must be deleted According to the Fair Credit Reporting Act, also Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

This is a company out of Kansas that is calling my employer with a local number. They have been asked numerous times not to call me and work however they refuse to stop. I received a call today from XXXX XXXX who I asked not to call me at work and released the call.
Consumer complaint received 2023-03-16
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. (AR)

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. 

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 DEPARTMENT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX 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 an 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 or 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-02-07
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. (VA)

I have new & updated information on XXXX, XXXX, and EQUIFAX. Someone is using my identity to furnish items on my behalf. XXXX, XXXX XXXX EQUIFAX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, XXXX received it on XX/XX/22, and EQUIFAX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX EQUIFAX XXXX and XXXX XXXX XXXX, EQUIFAX, and XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AL)

My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. 

I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? 

All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (VA)

My navy federal account was hacked through a phished email, immediately called the fraud department and reported the hacking and told them the pending deposited check was not deposited by me, they stated theyd freeze my account and cancel the deposit. They never canceled the deposit, it went into my account and I spent it, got a call that I owed due to the fraud check, I repaid the money back and a few days later my account was placed on a level nine hold, I could no longer use my debit card, atms etc. navy federal also provided me with a copy of the check that was clearly not signed nor endorsed by me, also stated that they could see my account was hacked by someone in XXXX and refused to unlock and reinstate my account. Further more they also placed a false negative consumer report about me and has made it so that I can not open any bank account making life difficult
Consumer complaint received 2022-02-09
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. (KY)

I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.
Consumer complaint received 2016-04-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.
Consumer complaint received 2023-03-16
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. (MN)

I have contacted Experian Credit Reporting Agency to inform them of the inaccuracies being reported on my consumer report. Last year I pulled my credit report on XX/XX/2022. Around that time my credit score was at XXXX and now had plummeted drastically due to the mishandling of my consumer report. I have sent numerous letters to them and still, nothing has changed. The last one was sent 30 days ago, and I have still not gotten a response or removal of the inaccurate information. 

According to 609 Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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

I demand the following accounts be verified or deleted immediately.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.
Consumer complaint received 2015-10-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc. (CA)

I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect {$2300.00} for XXXX. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on XXXX XXXX. I opened a payday loan with XXXX the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. XXXX replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According XXXX, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can Real Time Resolutions, Inc. open an account after 4 years of opening?