davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ashton & Weinberg, Inc. (PA)

This is an update with additional information in reference to a case I already have open with CFPB. It 's [ Case number : XXXX ] Around XXXX on XXXX XXXX 2016 Clay from Ashton & Weinberg called my dad & asked him if I was his daughter or daughter in law. After my dad told him I was his daughter. He proceeded to ask my dad if I am on his mortgage. My dad stated he is not going to talk about this information with him. He told my dad this is in reference to a civil suit. My dad said my daughter had already spoke with me & said what you are doing is illegal. XXXX offered his number to my dad but my dad was driving & declined. He called my dad again two more times on XXXX seperate occassions. He left a voice mail with my information along with his name & number for me to call him on my dads voicemail. The second time my dad answered again he was questioning about me & asked if I planned on settling this issue. First off they should n't be calling my dad let alot asking him questions regrading it. This is harassment & needs to stop.
Consumer complaint received 2022-07-05
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. (OK)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in XXXX to collect on an old XXXX debt, Acct-ending in XXXX. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a XXXX account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a XXXX account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

This is not a 3rd party! 

Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please review attachment!
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Concord Servicing Corporation (IL)

Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.
Consumer complaint received 2017-03-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WI)

I have been a XXXX ( XXXX ) for the last nine years. This means that my income is not steady, fluctuating with whatever work I find. This also means that I contacted Navient numerous times about my payments. I often asked for lower payments. But because I had to provide income proof, I could n't get my payments lowered. ( My taxes showed income that was higher when I actually had work. ) I was ALWAYS told that I had the option of not making payments for a period of time. Quite often I had to have that extended. I was not aware that interest rates would become so burdensome to my ability to pay back my student loans. Ridiculously, my monthly payment is now at {$1300.00} with {$1000.00} of that being interest each month. No matter how diligent I am at making these payments, I will never be able to pay this back under these circumstances. I am also a senior citizen.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections Services, Inc. (IL)

My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.
Consumer complaint received 2015-11-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a XXXX woman. I have a, FHA secured mortgage with BOA as they are the servicer. Due to the cost of living increase and my only source of unearned income being from Social security I applied in XXXX 2014 for a modification to my high interest loan. I have been treated with discrimination due to my unearned income. They have ruined my credit with the credit agencies in their unfair treatment. I have consistently paid, every month the escrow and payments toward principal. The BOA fails to report these payments as mad and refuses to abide by the rules of FHa whereas the direction of payments with FHA secured loans are first applied to escrow evry month then to the principal. this has been going on for more than 16 months. it is unfair as I qualify for modification to my excessive interest and they fail to abide by federal and state laws. The FHA standards for home modification allow for a {$100.00}. decrease in monthly mortgage or a mortgage payment equivalent to XXXX % of the gross income. My gross income is sworn to with proof and BOA wrongfully enlarges the gross income. this is against the law as my income is unearned and not taxed. I provided BOA and FHA the DEPT OF REVENUE facts that my income is XXXX % below poverty and XXXX % of what the minimum wage is. Therefore if it were an invome I would not be taxed. I also provided them with proof that XXXX persons can not receive earn income deduction from IRS at tax time like working people. BOA keeps violating my rights. Please step in to report them to the GOVERNMENT for unscrupulous conduct and breaking federal laws to disable, handicap and women.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Municipal Collections Services, Inc. (IL)

I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First Data Corporation (CT)

First Data company in cooperation with XXXX XXXX XXXX Merchant service scam my medical practice to lease a credit card reader for 4-5 year lease that can not be cancelled. The credit card reader worth XXXX-XXXX $ but it eventually costed me XXXX-XXXX $ to pay the lease. 

At the end of 4 years lease they did not inform me the lease has ended and they keep charging my bank account for outrageous amounts and when I finally found out and wanted to cancel it they created lots of hassles, 5-6 telephone calls, each time holding me for 30-45 minutes to pay off that junk machine after 4-5 years to get out of the lease. 

If you search on Internet there are lots of people like me that were scammed by this company and it must be stopped. 


XXXX XXXX XXXX XXXX, Connecticut
Consumer complaint received 2023-04-17
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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)

Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my XXXX login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with XXXX  was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and XXXX  has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. XXXX XXXX XXXX XXXX needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with XXXX, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless XXXX is upfront and direct with them that they made a mistake.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you.
Consumer complaint received 2017-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NATIONWIDE ACCEPTANCE LLC (OH)

I was called and asked to pay a minimum payment of  XXXX  by a certain date and i Payed that amount the person i talked to said that my next payment was due on  XXXX   XXXX  of  XXXX  I re ceived a phone call that next Monday stating that if I did n't pay  XXXX  by a certain date that the vehicle would be repoed I feel that i was miss informed.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (FL)

I have received several phone calls from XXXX. Finally after multiple calls I answered it. To keep it short when I started asking questions regarding the debt, and inquiring who the original creditor was, I was met with refusal to give me the information. I was then threatened with legal charges that could " result '' in me being arrested. I was then transferred to a XXXX XXXX, at that point I was finished discussing as it was getting no where. I asked for information to forward my written statement requesting any further contact be through the mail, XXXX XXXX would basically not allow me to speak and ask questions I was told the following. 
1. I needed to grow up and pay my bills and that not to waste my time sending such a document as they were going to file suit immediately and that he makes more money in an hour than I do in a year so that meant he did not have to explain anything to me. 
2. When I tried to again inquire about the original creditor he gave me information but then called me a laundry list of inappropriate names such as a XXXX and a " worthless piece of trash '' I will admit at that point I said a few choice things, but when backed into a corner you tend to react. 
3. He kept hanging up on me simply because I wanted to dispute the amount being asked for as I know I do not owe that much, hence asking for the original creditors information. 
4. I called back several times and was told not to call again or he was going to file harassment charges on me. 
The last time I checked I have a right to question any debt I am said to owe, I also have the right to be treated fairly and with respect. I was not aware that a collection agency was allowed to speak to their customers in such a manner to degrade them in order to attempt to collect a debt. I would have recorded the conversation but I know the laws in Florida do not allow it without the consent of the other party and I knew they were n't going to consent to that.