davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (VT)

I received a concerning robo call stating that I was not responding to call or other attempts of contact and to call ( XXXX ) XXXX immediately. Also stating that they had contacted my employer. I immediately called the number and spoke to Miss XXXX at extension XXXX. She made me aware that it was a debt they were assigned to collect. When she stated the account and amount, I informed her that it had been paid through a previous collector. This was a debt that I was not aware of, thinking that the debt was paid in full years before. Unfortunately we had a fire in 2015 and I had no proof of payment so I set up 2 payments with XXXX XXXX and paid the debt in full. XXXX then sent me a letter stating that. Miss XXXX said she would note my file. I then received several more calls fo the same debt. Each time going over the same info that I gave Miss XXXX. The collector became belligerent. I asked several to remove my name from the call list because this debt was paid in full. At this time, the company started calling my elderly parents home and demanding information however they would not give my parents their info except for a telephone number. I told my parents not to worry that it had been taken care of.They telephoned my parents today, telling them that they were trying to serve a warrant for my arrest. My mom called me all upset. I then called the company and asked them to stop calling my parents and was told by XXXX XXXX at extension XXXX " Pay your debt and we'll leave them alone ''. I became angry and told them to loose both my number and my parents. I was hung up on. I called back again to speak to Miss XXXX and was transferred to XXXX XXXX who was also not very pleasant.She stated that I never paid the bill or it would not still show on their account. She then said I needed to pay them because she did not know who XXXX XXXX was and that they did not pay Household Finance the debt I had owed. I tried to fax a copy of my pay off letter but the fax number keeps stating error, I caled to request a mailing address to mail them a copy and I was told by XXXX XXXX that he des not trust me so would not release the mailing address. Any assistance your office can give is greatly appreciated. I do not want my parents contacted again. I do not have an address or email for this company. When I searched for them online, I could not find anything. I did a reversed number search and everything states that they are a scam, I have attached the letter stating that I am paid in full.
Consumer complaint received 2018-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, TransUnion, XXXX, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

They call ask my name then inform me I owe on a credit card, I explain I'm on social security and can't repay and I also explain I'm on direct deposit. Every time they call I tell them the same thing and the social security office has told me they should stop calling after telling them I'm on social security. To night they called after XXXX XXXX
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (MD)

I applied for a XXXX XXXX XXXX on XX/XX/2022. I was denied and given an adverse action letter that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too. There is no permissible purpose here because that specific credit report wasn't even used to make a decision.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (WI)

I had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.
Consumer complaint received 2022-08-10
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. (NJ)

XXXX is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand XXXX remove two collections accounts, late payment inquiries and hard inquiries from my report.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX  but the other bureaus won't remove it.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.
Consumer complaint received 2019-10-21
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. (OH)

My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency XXXX, Experian and XXXX. I have file a police report with the XXXX Police Department
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I filed a joint chapter  7  bankruptcy on  XXXX   XXXX ,   XXXX   with my spouse. That bankruptcy was discharged on  XXXX   XXXX  of   XXXX  . My credit report with   XXXX   is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted   XXXX   and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since  XXXX  of this year, I have spoken to at least  8 dif ferent reps. Toda y (   XXXX   XXXX  ) after my husband viewed his report, it showed that  Lexis Nexis  was the vendor that was reporting this information to  XXXX . I talked to  XXXX  with lexis nexis today (  XXXX   XXXX   )  at  XXXX  CT. She told me that they were the public record vendor for    XXXX  .  She also told me that lexis nexis is reporting  MY  bankruptcy information to   XXXX  , but   XXXX   is not obligated to report any information about my bankruptcy on my credit report. She directed me to call  XXXX . So I called  XXXX  again today and spoke to  XXXX  at  XXXX   XXXX   XXXX  told  me  it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked  XXXX  if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as  discharged  in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I am currently in Chapter XXXX bankruptcy and my student loan provider is refusing to give me credit toward public service student loan forgiveness because i am in bankruptcy. FedLoan refuses to discuss the issue with me and will only talk to my attorney. I can not be discriminated against due to being in bankruptcy. FedLoan is discriminating against me by refusing to give me credit toward public service student loan forgiveness credit. The Bunchanan Provisions state : The Debtor shall be allowed to seek enrollment in any applicable income-driven repayment ( IDR ) plan with the U. S. Department of Education and/or other student loan servicers, guarantors, etc. ( Collectively referred to hereafter as Ed ), without disqualification due to her bankruptcy.
Consumer complaint received 2019-10-29
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TN)

I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.
Consumer complaint received 2019-10-21
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. (OH)

My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency XXXX, XXXX  and Equifax. I have file a police report with the XXXX Police Department
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

On  XXXX / XXXX / 2011  I paid off  XXXX   XXXX   XXXX  Bank {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered  XXXX   XXXX   XXXX  Bank had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
Consumer complaint received 2017-06-15
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. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Re :  XXXX   XXXX   XXXX  Equifa x To Whom It May C oncern : I am requesting that a dispute be initiated for a   XXXX    XXXX    XXXX    XXXX   XXXX  account. Account list account is closed I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me a description of the verification method and method for verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

The company did not respond to my complaint. I have forwarded the response from the company and my response below. This is under the 180 days and I want it removed. 

seems this " complaint '' was filed prematurely as the consumer probably should have contacted insurance FIRST before filing a complaint. This consumer was sent numerous billing statements prior to being referred to our office for collections. Our office sent the debtor two written correspondences prior to reporting this to a credit reporting agency.Based on the accounts in collections, these debts appear to all be balances after insurance, such as a copayment, coinsurance or deductible.
Consumer complaint received 2022-03-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I paid the Real Estate Taxes for my XXXX, NY Residence directly to their Office, for the First Half, TIMELY and IN FULL.

Sometime later Champion Mortgage inundated me with threats of eviction and " claimed '' that they had had to pay the same Tax. 
I spoke to the XXXX Tax Assessors Ofice on XX/XX/2022 and they confirmed the payment from me, the write, and stated that they had NO such payment from Champion Mortgage on my behalf.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

In 2015 I started working for this company as an XXXX XXXX and required to stay on property. While working I became very ill and it cause me to go on XXXX. Still being employed with this company I tried my best to come back to work, but my doctors wouldn't permit it. I was terminated but not without this company continuing to pay me XXXX for 2 years plus. I wrote a letter to the property manager at that time to let her know that I will no longer be staying on property due to the termination. It was approved and due to me working there I didn't have to sign a lease like a new resident. Once my XXXX stop 2 years plus later, I started receiving letters stating that I owe {$1400.00}. This is false and I don't owe them anything.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WI)

I have gotten {$210.00} in lat e fees from US Bank in the course of 3 days. I have replenished my account from my other account with in 12 hours when it 's gone negative ( usually from the excessive overdraft fees ). It 's not even suppose d to charge a fee if your account is not over - {$5.00} but at  XXXX  they started charging. I am enclosing screenshots to show my concerns.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KS)

I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (RI)

I have two mortgage loans that are currently serviced by Specialized Loan Servicing company ( SLS ), who took over the loans from XXXX XXXX in XX/XX/XXXX. At the time of this transfer, both loans were in good standing, i.e. no defaults, late payments or other derogatory items. When my first statement came from SLS, there were " past due fees '' on both loans in the amount of {$6700.00} for one loan and {$7400.00} for the other. I called SLS in XX/XX/XXXX when my first payment was due to determine what happened. I was told that the past due amounts were a result of " attorney fees, foreclosure fees and overdue penalties ''. I have never been in foreclosure on this or any other property I own, and the only time an attorney was involved was at the closing when I purchased the property. I was told to contact SLS by email with my dispute, and that someone would be in touch to address it. I did so in XX/XX/XXXX. I received no response. In XX/XX/XXXX, I again contacted SLS by phone, and another representative told me he was taking down all the pertinent information and would pass it along to the appropriate department, and that I would hear from someone " soon ''. I heard nothing from SLS. I called again in XX/XX/XXXX, and was told that all complaints need to be submitted in writing - letter, not email. I sent a letter outlining these problems on XX/XX/XXXX, and it was received at SLS on XX/XX/XXXX. I received two letters from SLS dated XX/XX/XXXX indicating that my complaint was received, and that they would be in touch. I called SLS today and was told there are no updates and was unable to get any information on this issue whatsoever. The representative acknowledged that their response timeframe is typically 30 days ; however, we are well past that point now.
Consumer complaint received 2017-07-13
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. (OH)

I contacted Transunion in regards to  two  different computer glitches that took place in   XXXX  . Originally my inquiries were removed from my credit files but then were placed back on without my knowledge.  <P/>  XXXX   XXXX   XXXX    XX/XX/XXXX      XXXX   XXXX   XX/XX/XXXX      XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX       XXXX   XXXX      XX/XX/XXXX      XXXX   XXXX  XX/XX/XXXX     XXXX    XX/XX/XXXX   XX/XX/XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX    .  XX/XX/XXXX      XXXX    XX/XX/XXXX