davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NJ)

date account was open XXXX XXXX, XXXX I've called the debt collector several times and sent a debt validation letter and yet I didn't get a response. I went a step further, contacted XXXX and XXXX to verify that they received my certified mail of the letter I sent to debt collection. I am beyond frustrated in doing the same thing over and over again without results. please I need help to get this resolved.
Consumer complaint received 2019-11-01
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX   XXXX/XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MI)

Started an account with Binance.us ( Bam trading services ) for trading Cryptocurrency and initially invested {$1000.00}. After their initial verification process and setting up my chase bank account I proceeded with a deposit of {$1000.00} through their online mobile app using my XXXX. The first try to initially deposit the {$1000.00} on the Binance.us app message showed failed and to try again later in which I did as many as 5 times total. At that time I gave up trying to deposit and logged onto my chase account only to discover that all 5 transactions actually went through leaving my chase account in default. I then called chase to stop and reverse these transactions which they did and that caused Binance.us to reach out to me to correct my account which I did. Later on that month I started to make multiple smaller deposits from my chase account which went through and was able to make investments into buying cryptocurrencies up until about XXXX and then started receiving deposit failure messages again and could not deposit or withdraw from my account but it would allow me to trade cryptocurrencies for others. I've submitted many request to Binance.us to fix my account only to receive an automated standard response to guide me through steps in order to help link my chase account again. After many attempts to delete and re-add the App and even log onto my account from an actual computer as well as every step requested by them through email to me I still can't deposit or withdraw from the account. Also to make matters worse I'm getting emails from them about tax statements available for this account which I can't even get into to deposit or remove from so now I'll have to pay taxes on an illusionary account that I can't even withdraw from. I also attempted to leave their exchange and remove coins to another exchange in which that was blocked also from withdrawl. At this point since they have no customer service number and only give automated email responses I don't know what else that I can do.
Consumer complaint received 2021-04-09
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

Ne l Net keeps trying to make me pay for a student loan for a school that was shut down by fraud. They were shut down by the government. This was known as XXXX XXXX Most employers find their license laughable. And wont even accept them or look at you. I went to college there from XX/XX/2008 till XX/XX/2008 because they falsely told you you could graduate at this time.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally.

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report.

2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 
If this account is not reporting 100 % accurate, I request deletion immediately.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

I cancelled a phone service I had gotten for the business ( I paid cash for the cell phones ) the services were never used and the account was cancelled within 15 days and never used. I called to verify with XXXX and they said it was all true and not to worry as the accounts were cancelled and never used. Then I got a bill from convergent and called them they were not reachable, the bill states to pay {$190.00} and the whole thing is over instead of an amount am not sure how they came up with {$240.00}. I didnt have much time to deal with this so I sent a check, now I look at my credit report there is both a collection and a settlement for a service I never received.
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

Medicredit has been abusive and unfair in there debt collection practices for the account that was assigned to them by XXXX XXXX XXXX XXXX. I have been trying to resolve this problem for over 8 months, but this company has been uncooperative and deceptive. Recently, they decided to increase the balance on my credit report by reporting a balance owed on XX/XX/2020 of {$1500.00}, which is a 100 % increase of the original balance of {$750.00}. There was no explanation, no correspondence or proper notification of this balance increase. 

The problem? This account was paid in full to XXXX XXXX XXXX  on XX/XX/2020, of which I am attaching proof to this complaint. Frankly, I am beyond frustrated, as this was the last straw of the the damage I will allow medicredit to continue to perpetrate to my credit score. I have advised them on several occasions of my dispute of there credit reporting, based on the fact that I never received the first dunning notice as required by the FDCPA. Should I have received this notice, I would have exercised my rights to pay this debt or dispute it within the first 30 days, thus preventing any credit reporting from ever happening. 

Eventually, I contacted the billing manager of XXXX XXXX XXXX and paid the bill. Why is Medicredit still reporting a balance, and even worse, an increased balance? Is this in retaliation to me paying medicredit directly? This is just gross negligence and willfull intent to damage me. They have violated several consumer protection laws, willfully - and continue to injure me long after the debt has been resolved in full by reporting not just a balance, but an increased balance!
Consumer complaint received 2023-01-18
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 2022-04-26
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. (TX)

Inaccurate information is placed on my credit reports. I have written in to these companies to fix the matter and it has not been done. Most of the information on my credit reports are inaccurate. The proof I have is directly from their reporting.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX. account # XXXX ; XXXX # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, DPT ED/XXXX account # XXXXXXXX XXXX account # XXXX, has violated my rights.

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

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (GA)

When we received our bill from Stockton Mortgage due onXX/XX/XXXX the amount due increased by {$480.00}. When we contacted the company we were informed that it was due to an escrow shortage based on the amount of taxes owed. Upon further research on our part, it was determined that the mortgage company had accidently paid our taxes twice forXX/XX/XXXX, paying an excess {$4600.00}. The company even after admitting this error, still made us pay the extra {$480.00} for the payment due on XX/XX/XXXX, indicating they could not adjust the payment due until they received the refund from the county. When speaking with the company on XX/XX/XXXX, they indicated it would take 14 days to correct the issue. We contacted the company again on XX/XX/XXXX and no progress had been made and we were told it would take another 14 days. At this point, we asked to speak with management and were told they would call within 24 hours. No call was received, so we called the company back on XX/XX/XXXX. At this point, they indicated that they had received the refund from the county. We were told they would escalate the escrow analysis and have it complete by XX/XX/XXXX. Once again we asked to speak to management and were told we would receive a call back in 24-48 hours but did not. We contacted the company on XX/XX/XXXX and they indicated it had not been completed, but would be complete by XX/XX/XXXX. We contacted the company again on XX/XX/XXXX and were told the analysis still had not been completed. We were told again we would receive a call from management within 2 hours and no call was received and the issue still has not been resolved
Consumer complaint received 2021-04-09
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)

I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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.
Consumer complaint received 2021-10-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Acccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Loans Account XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.