davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-06
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: MOHELA (AL)

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XX/XX/XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XX/X/2017 about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

I received a letter from them and responded within 30 days asking for debt validation. When they did not respond I previously complained to you and they responded saying they validated the debt with me, they did not! They made up a phony bill and printed it and sent it to me. My letter was clear on what was needed to validate this debt. My letter also told them that until they validate this debt any negative information on my credit report would constitute fraud. They received my letter on XXXX, on XXXX they reported a new collection account on my credit report. A CLEAR VIOLATION. They also have not validated this debt with me. My letter asked them to provide me with : 1. The original signed agreement showing I agreed to be responsible for this debt. 2. A completed accounting history of this debt. 3. copy of their Illinois license showing they can legally collect a debt in Illinois ( which when I call Illinois Department of Regulations I was told they do not have a license to collect debt in Illinois ). 4. The full contact information of their registered agent. All I received was their phony bill.
Consumer complaint received 2021-10-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

The company sent an escrow check in just my name, because my husband is deceased ( XXXX yrs ). I cashed check with no problems. My mortgage was recently paid off. Now BB & t sent the refund after paid off check, in both my name and my deceased husband. No consistency with my account. I sent XXXX XXXX the now required statement my husband is deceased, and send refund check in just my name. Remember months earlier they issued escrow check in just my name. There is no consistency.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

My mortgage was sold to Freedom Mortgage company. In the course of less than 6 months, Freedom Mortgage company has repeatedly mismanaged my escrow account which has lead to 1 ) a shortage in my escrow account to cover home property taxes 2 ) an inaccurate escrow evaluation on XX/XX/XXXX in spite of accurate state tax information that is available online and that I also provided via fax on XX/XX/XXXX, and 3 ) refusal to correct the inaccurate escrow evaluation in a timely manner and communicate changes to me. 
I have made multiple phone calls to Customer Service both before and after requesting an escrow evaluation be completed on XX/XX/XXXX. During that call, I was told I had to provide my property tax information, which I did on XX/XX/XXXX and received an email stating that it may take up to 30 days to address my questions. No correspondence was received within that timeframe. I called Customer Service again on XX/XX/XXXX and requested an escalation of my request. I was told that I would receive an updated escrow analysis by early XX/XX/XXXX, which would be in effect for the XX/XX/XXXX payment. On XX/XX/XXXX, I logged into my account online to pay the mortgage due by XX/XX/XXXX and found an amount due that was greater than the amount on my XX/XX/XXXX statement. I made a call to Customer Service, who told me that there was an escrow analysis completed on XX/XX/XXXX and that the payment would be in effect for XX/XX/XXXX. I pointed out to her that this was in direct conflict with what I was told when I called on XX/XX/XXXX, and that no updated document was posted online nor mailed to me. 
This company has failed repeatedly to handle my escrow account appropriately or communicate changes. Their incompetence has caused me to spend multiple hours on the phone with Customer Service while my escrow account continues to be under-funded and mismanaged. How can I as a consumer request a change to my mortgage lender? I would never, ever, choose this company for any service.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCC Business Services, Inc. (NV)

I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX  dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (NY)

My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (NY)

a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Cavalry Portfolio. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Cavalry portfolio in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against enhanced recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2018-03-23
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. (GA)

I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NV)

I received a letter from Radius Global Solutions stating that they are collecting a debt for XXXX XXXX. I sent them a letter on XX/XX/2021 asking for the following within 30 days : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

It has been over 30 days and this item is still being reported on my credit report without any substantiation from Radius Global.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have XXXX  children going to XXXX  different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked XXXX XXXX XXXX to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

On XX/XX/2019, I applied for a credit card through an offer from the mail. I followed the weblink on the application, citi.comXXXX and followed the prompts. 
Once the application was completed it was submitted and approved. I was not given the option to deny or accept the terms it was automatic. 
When you complete the application process you are automatically signed up for the card before knowing what your interest rates or what your credit limit will be. This is not okay at all. 
I should know exactly what I am signing up for before accepting and given the choice to accept or decline. 
Also, the mailer I received offered the interest rates at 23.99 % and was given 24.74 %. When I tried to call customer service at XXXX XXXX PST I was transferred twice, hung up on once and told there was nothing I could do until 72 hours of submitting the application. And by filling out the application I was approving whatever they gave me without given the chance to deny their terms.
Consumer complaint received 2018-03-23
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: BARCLAYS BANK DELAWARE (CA)

called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX has reported an account to my consumer report that is in fact income and not a debt. I have proof in the attached screen shot from my ACCEPTED IRS 1099c form. I am requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is a debt and not income. Income is not reported on a consumer report.
Consumer complaint received 2017-08-13
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. (CA)

I have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,
Consumer complaint received 2022-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I reported that My Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Credit Report to Equifax via phone with an Equifax representative. 

On XX/XX/2022 I mailed a letter to Equifax Stating that my Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Equifax Credit Report I then got a letter in the mail from Equifax stating that the disputed item is not on my credit report. 

I need my Morgage to show up on my credit report. Please help.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I made a agreement with Comenity credit XXXX XXXX credit card ) for a final amount to pay and close the account. Next month they add a fee and late fees on top of the unknown fee.