davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I entered a forbearance plan with my mortgage company, XXXX XXXX. Shortly after, XXXX XXXX  hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by XXXX XXXX  for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, XXXX XXXX  reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( XXXX XXXX  ) for more than 30 days and have received no cooperation in fixing the matter. XXXX XXXX  denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. Equifax however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to Equifax by XXXX XXXX  are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both XXXX XXXX  and the Equifax reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from XXXX XXXX. I have included the delinquency pages from all three credit bureaus as well as the sustained results from Equifax. Thank you for time and consideration.
Consumer complaint received 2021-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I refinanced my VA loan in XXXX. The servicing was transferred to New Rez/Shellpoint. For some reason, New Rez did not send my monthly condo insurance premiums to XXXX XXXX XXXX my longtime insurer ) until XXXX. I had not idea this was happening, or not happening I should say. By the time New Rez finally sent a check for the premium, XXXX XXXX had cancelled the policy, and now New Rez is claiming I owe them for expensive force-placed insurance. Another wrinkle : In XXXX, a water pipe burst inside my condo, causing tens of thousands of dollars in damage. The condo association policy covered much of the damage, but I owe a {$10000.00} deductible. XXXX XXXX is refusing to pay the claim since they claim a policy was not in effect at the time and New Rez has not responded to my requests that they pay the claim since they were at fault for a policy not being in effect. I would appreciate any help you can provide. I am happy to provide the address of my condo and the loan number.
Consumer complaint received 2017-12-23
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. (NY)

XXXX XXXX filed a correction to my creit report to XXXX XXXX. the report is wrong because XXXX have no complaint about a late charge. This was not removed from my credit report. Also experian credit report has the same erronance report on my credit file. I would appreciate this error being resolved.
Consumer complaint received 2021-04-14
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-12-23
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: EQUIFAX, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These date I tried to get the original contract, but they ca n't provide anything.
Consumer complaint received 2020-06-30
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. (CA)

This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Consumer complaint received 2020-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I'm a victim of " Predatory Lending '' with Credit Acceptance. 

Credit Acceptance is under a Federal Class Action law suit ( Case XXXX ) with there investors as they keeping accounts " OPEN '' that are really should " CLOSED '' like mines to inflate stock position and deceiving investors ... In addition, to illegal DEBT COLLECTION practices and placing customers in loans they knew that could not be repaid and charge " usurious '' interest rates that violated state laws. All this information is displayed in attached documentation ( if not to large to add ). 

Originally Credit Acceptance was requesting to {$3500.00} to settle this account and now XXXX XXXX XXXX which is representing Credit Acceptance is requesting ~ {$13000.00} to settle this account. 

I'm requested this account be removed from credit report as they have violated Fair Credit Act & Fair Debt Collections Practices.
Consumer complaint received 2018-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.
Consumer complaint received 2021-02-02
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: OneMain Finance Corporation (FL)

It Stared with an oldXX/XX/XXXXCell Phone I used to owned with XXXXXX/XX/XXXX. I was doing my own investigation who has the phone on XXXX Search XXXX. The phone was located Somewhere in XXXX, NY and also at a near by ONE MAIN FINANCIAL XXXXXX/XX/XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXX/XX/XXXX Credit Score Report
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (WV)

My name  is XXXX XXXX. XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX-XXXX. My SS is XXXX-XXXX-XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX5 XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (WV)

My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX XXXX.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

have sent letters to XXXX, Equifax and XXXX in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a Factual dispute to XXXX, XXXX  and Experian on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. Experian has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and XXXX  has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (IL)

Alliance Collections is attempting to collect a debt that I had already paid. I had a medical bill that was unpaid because XXXX XXXX was sending it to the wrong address. When I found out about the bill, I contacted Advocate and paid it. Despite this being paid, Alliance Collections is calling me several times a day trying to collect.

The contact information for Alliance Collections is as follows : Alliance Collection Agencies , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Collections Department - ( XXXX ) XXXX General Information - ( XXXX ) XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (NC)

On XX/XX/2019, we send you the request for debt verification and disputation with rights given by the Fair Debt Collection Practices Act. 15 USC 1692g. 
The FDCPA Section 809 : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed. until the debt collector obtains verification of the debt is mailed to the consumer by the debt collector per requested, Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. 
On XX/XX/XXXX letter, I have enclosed the validation and dispute letter to the Original Creditor Pursuant to NC. Gen Stat. 131E-91, patient rights receive an itemized bill including, but not limited to, all charges, and patient deposits and insurance payments with the correct name, etc.. since we did receive several bills, insurance info and medical records ( we can not disclose this information to you due to HIPAA ). 
In addition to the above-mentioned items, we have also requested your office provides me with competent evidence that we have any legal obligation to pay ( prefer a copy of the original contract or official authorization assign you or your company legally taking this action ) with the evidence for any validated detailed account statements.
Consumer complaint received 2018-02-28
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: WELLS FARGO & COMPANY (CA)

XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Consumer complaint received 2022-04-28
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: AMERIS BANCORP (FL)

Ameris Bank sent me a copy of a payment history that has been made to this account. Yet nothing to show I am the person who is obligated to this debt. Ameris bank stated I owed them money for this debt, Since Ameris bank is stating I owe them money for this debt on ACCOUNT # XXXX. I am asking for documents to prove I'm obligated to pay this debt. I would like to see an account ledger that shows I have an obligation for this alleged debt. I would like to see Ameris Bank records of accounting/their ledger for this account, If Ameris Bank cant provide me their ledger for this account, which should show I owe them money they should remove this inaccurate account from my consumers report immediately, because I am not the person obligated to this debt. A BANKING LEDGER/ OR XXXX LEDGER ON THESE ACCOUNTS would show that I owe them money for this alleged debt. please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for to long and are now responding to me like I am not the one inquiring about getting this inaccurate account removed from my consumers report.