davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (NC)

My hardship began the day I moved into my home in XXXX when the sewer backed up and flooded the downstairs causing extensive damage and repairs beyond what homeowners insurance covered. I notified Highlands Residential Mortgage in early XXXX that I was having financial difficulties due to a cascade of events beyond my control and wanted to work with them for a forbearance or loan modification. I submitted a hardship package with requested information to Highlands in XXXX/XX/XX/XXXX On XX/XX/XXXX I received a letter from Highlands stating they had received my loss mitigation package and that a review performed on XX/XX/XXXX determined the application was complete. On XX/XX/XXXX I received a letter stating they reviewed the loss mitigation package and that I needed to return a hardship letter and documentation detailing the hardship - which I submitted again. 
On XX/XX/XXXX I received a letter stating I had been approved for a HAMP modification. I signed and returned the agreement by their stated due date via fax and postal mail. in addition to calling them. 
I remained in constant touch with Highland to see how the process was progressing and to determine my next steps. 
Subsequent to accepting the modification I received a call from Highlands stating the HAMP modification was an error and I needed to start over, so I submitted another hardship packet. 
On XX/XX/XXXX I received notice from Highlands that they had received my hardship packet and on XX/XX/XXXX I received a letter stating that it had bee reviewed as of XX/XX/XXXX and determined it was complete and no further information was required. 
On XX/XX/XXXX I received a letter from highland stating that in order for them to determine my eligibility I need to return a hardship letter, proof of hardship and HOA bill which I submitted immediately. 
I was in communication with highlands via phone several times to inquire if they had everything they needed and was informed they had. 
On XX/XX/XXXX after again telling me my application was complete I received a letter from them saying my application was incomplete and I had missed deadlines for missing documents. 
Whenever they request information from me I email or fax ASAP. Highlands on the other hand mails me notices that take 10 to 14 days or more to reach me and have changed their website so that customers who are in default can not access documents on line. 

As of XX/XX/XXXX, and XXXX I have again submitted hardship information to Highlands. I want them to work in good faith to modify my loan as they agreed back in XXXX.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CT)

O n  XX/XX/XXXX , I filed  a complaint with the FTC against  XXXX . This issue was supposed to have been resolved.  XXXX  sent me a device return packet and all devices were returned in   XX/XX/XXXX .  On   XX/XX/XXXX ,  I received a collection notice from  Diversified Adjustment Service on   XXXX   XXXX  behalf for {$1200.00}. I canceled the plan with  XXXX  in   XX/XX/XXXX  and  returned the devices so nothing further is owed. FTC  Complaint  ref #  XXXX .
Consumer complaint received 2023-03-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-09-14
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. (GA)

I am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MO)

I began receiving payment requests for XXXX student loans that were placed with Aidvantage. I assume they received these loans sometime in XXXX. Payment notices began during XXXX quarter XXXX. The loans they are requesting payment on were all paid in full through a refinance process in XXXX. I spoke with a representative last week and provided documentation showing that the refinance company had paid off all of these loans in full. I disputed the debts both verbally with the representative as well as written through an email on their portal. I also provided documentation of the payments submitted by the refinance company to XXXX proving these loans were paid in full. 

As this account is now completely in dispute as of last week, they have continued to send me demands for payment. I received two over the weekend. In addition to that I have received an emailed letter today that is a general form letter asking me for copies of cancelled checks. If they would have actually read my dispute or reviewed the conversation with their representative from last week, or reviewed the documentation I submitted last week, they would see that I provided loan documents ( closing statements ) showing that the refinance company paid these loans in full.
Consumer complaint received 2020-10-23
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. (PA)

I have been trying for the past several months to get Equifax to remove inaccurate information from my credit report. They have asked me to send them several items, such as copies of my Social Security card, drivers license and W-2 form, and I have sent them these items multiple time, both by postal mail and by email, but they refuse to correct the information. I have filed several disputes with them. Some have been corrected but there are 2 disputes that keep coming back as " open '' or active ''.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

I qualify for the save plan and have applied for the save plan on XX/XX/XXXXXXXX XXXX XXXX my student loan servicer has refused to put me on the plan and keeps re enrolling me into the incorrect IBR. I have called them 10 times and spoke to so many people to resolve the matter and they keep saying I need to wait.

I have called this company 10 times and spoke to so many agents and they have lodged notes in my account as well about my phone calls and frustration and the lack of action taken by the servicer. They have lied to me on numerous occasions about the status of my enrollment into the save plan and no one can provide me with a reason as to why It has taken so long.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.
Consumer complaint received 2019-11-07
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. (TX)

Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

This company keeps contacting me for debts that are my ex-spouses, I am not responsible for these debts and held harmless from them, this is justified by the court order signed by the judge, they are also reporting them to my credit report and I want them removed
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a medical treatment at the XXXX Hospital in XXXX XXXX CA back in XX/XX/2017, All the bills were submitted to my medical insurance XXXX which processed the claims and paid what was allowed. 
Months later, I started receiving collections calls from CMRE. XXXX stating that XXXX XXXX XXXX XXXX of the XXXX XXXX Hospital has a bill of {$1200.00} that I need to pay. The same bill has already been processed by my insurance and said the charge was too high but only {$200.00} should be the allowed amount. 

I tried getting more information from the CMRE collection agency but they referred me to talk to the hospital instead ; I then called the hospital which insisted my account has a {$0.00} balance due, all my bills have been paid but asked me to check with XXXX XXXX XXXX personal office about any outstanding bills. I called the Dr office and the assistance told me there was nothing in the system referring to any amount of money owed to them. 

Therefore I called CMRE back again to request the immediate removal of the collection on my account which they refused. 
This false collection has been on my account since XX/XX/2017 and  hampering my ability to maintain a good Credit Score for a loan. 

I need this mater taken care of as soon as possible so I can focus on other aspects of my daily life and future. 

Thank you http : //www.cmrefsi.com/ NameCMRE. XXXX Phone ( XXXX ) XXXX Business TypeYC Street AddressXXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateXXXX ZipXXXX https : XXXX
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX  about this issue and they told me they already fixed the error on their end and I would need to get in contact with Transunion, XXXX and XXXX about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Consumer complaint received 2023-01-29
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. (TX)

When I reached out to XXXX, experian and XXXX about XXXXXXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation
Consumer complaint received 2021-09-17
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. (CA)

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XXXXXX/XX/XXXX I opened a case because I returned items to XXXX then an computer that was delivered and I provided the photos is proof that no delivery of that item was done and they didnt refund me back my money ( {$2700.00} ) I waited months now and still no help from this company. The policy for this dispute is 60 days after it is opened it will be resolved so in XXXX I got a credit for this transaction which when I called multiple times I was told its closed in my favor so okay now on XXXX  XX/XX/XXXX was my 60 day mark and my dispute should be closed already then out of no where two days later I get the charge back on my card after giving all the info and proof of this. So you guys said it was closed and 60 days has passed so how are you guys going against your policy and wan na charge me after closing it already
Consumer complaint received 2020-07-10
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: STERLING JEWELERS, INC. (FL)

The company sent me to a collection company once I paid the company for a pay and delete they reported it back to Kay jewelers and yet this is still on my credit report
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AE)

Experian website has issues resetting password. It is a simple problem, but the site has been this way for several months, since my first attempt in XX/XX/year>. I am simply trying to reset my password but the site just hangs with no indication of success or failure. I will now send them request by mail ( per their automated phone instructions )- they also do not allow you to talk to live agents. Fortunately, this is not an emergency but just makes life difficult as I am XXXX XXXX living in XXXX and I do not have a lot of free time. 

Again, a simple problem but has had my credit frozen for several months and still unable to unlock my account. I will send them a written request by mail.
Consumer complaint received 2023-01-12
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-07
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX  SSN # XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AL)

I.C. Systems is reporting an over XXXX dollars collection account from XXXX XXXX. I repeatedly dispute this account with other collection companies and when they attempted to get the information from XXXX they could never obtain the information I.C. System is refusing to attempt to get the information from XXXX detailing what charges on the account total to the amount claiming I owed and refused to remove the information from my credit reports.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

After reviewing my transition credible file I was able to identify multiple inquires that I did not recognize which is a result of fraud. I have contacted transition multiple times in regards to this and they have done nothing for a solution. I also had provided a identity theft report. This has caused damage to my credit and my reputation.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (VA)

I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX