davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

Once I went to Fedloan Servicing a year or two ago, my credit score has declined significantly ( even though I make my payments ) every month because they continue to add thousands of dollars to my loan. I am never in default. My loan amount used to be less than 70K and now it's over 100K. How did this happen within the short amount of time I have been with FedLoan Servicing?! Additionally, the qualifying payments are incorrect. I have been paying my loan since XXXX through a qualifying employer - through working a public service position with the County agency where I live. I have not went past the 14 day late payment issue and yet my qualifying payments as of XX/XX/XXXX is for 4 years ( 53 payments ). This can not be correct. I have paid every month for about 8 years. Calling customer service is always a dreaded experience. I get the run around, I get people who are incompetent, and I get incorrect information. They do not want to do any extra work to figure out this issue. I am now going to go back to my bank and have a report done to show all my payments paid and when they were paid so I can present this to Fedloan Servicing so they can correct this error. I don't even know if my bank will go back this far but the point is, I shouldn't have to. I would like documents of dates and payments to show me specifically how they are getting their numbers. Why are they adding thousands of dollars to my loan and why are my qualifying payments so low? My interest is 5.5 % - I can't imagine this would cause a XXXX increase in my loan. Ridiculous!
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NY)

XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX Equifax Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : Equifax, XXXX   and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with Equifax and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX I called Equifax to get the results for a dispute that I submitted. I was told that they could no give the information, that I had to send information to verify my identity. 
I asked if there is a problem with my report ( my credit card have been updated since XX/XX/XXXX ). Once again I would have to send information to verify my identity. 
On XX/XX/XXXX I sent my personal the documentation they requested, I asked them to send me copy of my report ( yearly free report ) with the information with my dispute. 
On XXXX XXXX I received the disputes but no credit report. 
On XXXX XXXX I called Equifax, they stated that I have to send information to verify my identity ( I have already sent information to verify my identity ). I asked again if there is a report with my report but I was given no results about the report.
Consumer complaint received 2019-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

On XX/XX/XXXX I received a letter stating that I had a {$320.00} shortage on my Escrow, if I did not pay that shortage, my monthly payment would change, I went ahead and made the payment, but then the company continues to bill me the higher amount stating that I have an escrow shortage, which I already paid!
Consumer complaint received 2018-10-02
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2021-11-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ID)

I currently have a loan with Nationstar Mortgage LLC d/b/aMr.Cooper. I am completely current with my monthly mortgage payments but they reported to the credit bureaus that I made my XXXX payment late on XX/XX/XXXX when in fact it was made on time on XX/XX/XXXX and duly posted and credited to my account. 
I am in the process of trying to refinance this loan and when my mortgage broker brought it to my attention today, she said this very much hurt my chances for getting a refinanc Thank you, XXXX XXXX
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (CA)

I have been disputing a medical debt assigned to this debt collector for months. I first noticed an adverse remark reporting on my credit report. Once I looked into it, I contacted the debt collector, which is Online Information Services Inc. 

I immediately told them I had not received any written notifications from the medical provider nor from them with regards to the debt. The first notification I received was from when I went to go apply for a mortgage loan, the loan officer told me about this debt. I protect my credit feverishly and immediately looked into the issue. This account was paid on the spot after contacting this debt collector. 

Upon several credit bureau disputes, I have no choice but to file a claim against this debt collector for continuing to report incorrect information to my credit report. In addition, this collector received a written notice on XX/XX/2020 advising them of my position and knowledge of my rights, and as of the date of this filing they have ignored my correspondence. 

Specifically, I am aware that creditors and collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). They have been notified on several occasions this reporting is  innacurate I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

on XX/XX/17 my Sister went to the doctor, my Sister was married at the time and of age she owes ( {$1200.00} ), the item that is on my credit report is from her going to XXXX XXXX XXXX in XXXX  -but somehow this is on my credit report I have disputed this with all 3 credit bureaus and called and spoke with the collection agency, Saying this isn't my responsibility, the Collection agency still refused to take these false charges off of my credit report Saying I am liable for the charges? ( fast forward a couple months ) I've reached out to them again with the same response they refuse to take these false items off of my reports. PHOENIX FINANCIAL SERVICES LLC is falsely and fraudulently putting these on my credit report and they have the same collection on my credit report multiple times as well. Company 's that are allowed to willingly do this to American citizens is a shame and shouldn't be allowed, this has stopped me from being able to purchase a house because I am being extorted for something I AM NOT FINANCIALLY RESPONSIBLE FOR.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NY)

I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

Roberts Markel Weinberg Butler Hailey PC a Texas law firm XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Texas XXXX ( XXXX ) XXXX-XXXX Specifically : XXXX XXXX TBN:XXXX XXXX and XXXX XXXX TBN : XXXX XXXX filed a Lis Pendens against my property for the sole purpose of debt collection and a debt not owed by me. 

The courts have repeatedly ruled that a Lis Pendens can not be used as a debt collection tool and the person filing the Lis Pendens must be claiming that they have rightful ownership or right of ownership to the property and are seeking to take ownership of the property. This law firm is using this as a tool to block the sale of a property, because they know that in order to challenge the validity of a Lis Pendens, a knowledgeable attorney will need to be found and hired to challenge it. 

This prohibited me from being able to sell the property in a timely manner and damaged me as well as my potential purchasers.
Consumer complaint received 2019-06-06
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. (MI)

I paid the following accounts prior to the release of my credit report from Experian and XXXX on XX/XX/2019 : XXXX ( paid {$1900.00} on XX/XX/19 )  XXXX XXXX ( paid {$940.00} on XX/XX/19 ) XXXX XXXX XXXX ( paid XXXX on XX/XX/19 ) XXXX XXXX XXXX  ( paid {$370.00} on XX/XX/19 ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX XXXX  XXXX XXXX. XXXX, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/2019 report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/2019 totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and XXXX   XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on XX/XX/2019.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

EQUIFAX IS NOT REMOVING THE FRAUDULNET ACCOUNTS FROM MY CREDIT REPORT. PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) UNAUTHORIZED FRAUDULENT ACCOUNTS MUST BE REMOVED /BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT. I HAVE SENT MU IDENTITY THEFT REPORT TO THEM NUMEROUS TIMES AND 3 XXXX  XXXX XXXX ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

HELLO, IVE HAVE BEEN BACK AND FOURTH WITH EXPERIAN, XXXX, AND XXXX TO VERIFY DEBTS AND IT HAS BEEN SINCE XXXX THAT IVE INFORMED THEM AND THEY HAVE NOT REPLIED TO ME. I HAVE MULTIPLE CERTIFIED MAIL RECEIPTS. I WILL PUT BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (PA)

When not that my account is close do to the withdraws make it started in the spring of 2020 to XXXX with maybe one or two things here or there then in XXXX they made some big purchases that cleaned my life saving and I was in debt for almost {$1000.00} the store that they shopped at XXXX online was able to cut them off at a point. I didn't know where to go to besides bit my bank I tried to file a report with them but in the end they just thought that did it to myself and just wanted to make them give me money. No one that I spoke to even suggested another option that I could turn to so I just had to have debt companies call me non stop for $ $ $ I didn't have for months I saw that my PayPal account was hacked a few months ago. Not really sure if anything can be done now but just decided to file a report anyway.
Consumer complaint received 2019-06-06
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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/XXXX I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NY)

I lost 3 cars in Hurricane Ida on XX/XX/XXXX. Two cars were dealt with expeditiously. That was not the case with my XXXX XXXX XXXX, leased through VW Financial Services. The car was insured by XXXX. Here is a time line of the frustrating events : XXXX Car declared a total loss by XXXX XXXX I requested a payoff letter from VW Credit XXXX XXXX sent the exact amount of the payoff letter to VW Credit XX/XX/XXXX VW Credit cashed the check VW has insisted on XXXX, XXXX AND XXXX monthly payments, on a paid-off car I have made all those payments Since XX/XX/XXXX I have been on the phone numerous times with VW Credit and now they are trying to say that an insurance payoff is {$6000.00} more than the payoff they quoted me, in writing, verified, and they cashed the check from XXXX. 
VW Credit is not releasing the title. Additionally, wait times to contact them run from 35 to75 minutes just to get an agent. My credit score is XXXX, so I am vigilant in keeping all accounts current.
Consumer complaint received 2019-06-06
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Syncb/Ashley Homestore is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.