davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I was trying to get my free credit report, and as I was verifying information, one question said that XX/XX/2015i took out a mortgage loan. And I did not take out a mortgage loan. It also had different loan companies listed, nothing looked familiar to me, the question was how much were my mortgage payments each month, again I do n't have a loan payment to pay. Then another question was on XX/XX/2015 XXXX, XXXX, and other credit card company 's were issued with my information. And that was n't me either, this could explain why I 'm denied a rental or anything because of this .I recently filled out a rental application and was denied. I 'll be homeless soon and wo n't be able to get a place because landlords are gon na think it 's me when it 's not me.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2022-02-09
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-10-17
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: Ability Recovery Services, LLC (TX)

I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.
Consumer complaint received 2017-05-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (VA)

XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing sent me a letter saying that I owe to XXXX XXXX dollars. Thats not true. 
I already spoke with XXXX and they told me that I do not owe any money and they do NOT work with that agency. 
This means that Convergent Stole not only stole my SS number but is also claiming money in behalf of comcast when is not true. 
I saw on my XXXX report that Convergent had made XXXX inquires on XX/XX/XXXX
Consumer complaint received 2022-02-09
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. (TX)

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but Experian and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and Experian shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and Experian, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.
Consumer complaint received 2016-10-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (ME)

I received a letter from Convergent stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later Convergent mails me stating they are not handling the account any longer. One week later XXXX XXXX XXXX XXXX sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-20
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. (FL)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. I have doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed to correct the information. 
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 2022-02-09
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: EQUIFAX, INC. (TX)

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, Equifax is showing that the last payment was XX/XX/XXXX, but XXXX and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and XXXX shows that I was 30 days late in XX/XX/XXXX, but Equifax shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and XXXX, but Equifax shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.
Consumer complaint received 2023-03-20
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the Experian credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
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 2022-02-09
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: SLM CORPORATION (CA)

I received emails Sallie Mae to make a credit card and pay off the student loan. 
However, When I talked with Sallie Mae-payment, I can not use credit card for the payment. 

It is a misleading information to make a credit card.
Consumer complaint received 2022-09-03
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. (IN)

Someone stole my information to open up fraudulent accounts without my permission. I do not understand how people can open any accounts in my name because i was not aware or present. Please see below information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Company ( NCA ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have notified Equifax that I am a victim of identity theft. The following accounts do not belong to me. Please help me in getting this accounts removed from my credit file. 

1. XXXX XXXX Acct # XXXX 2. XXXX - XXXX 3. XXXX ( Reporting XXXX ) 4. XXXX XXXX - Acct # XXXX
Consumer complaint received 2020-10-17
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. (MO)

XXXX, XXXX, Transunion are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, XXXX  or Transunion correct the information on my credit report.
Consumer complaint received 2015-08-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (OH)

I have written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (PA)

This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been transferred to many people at capital one and Ive been getting the run around all year round. I agreed to do a 3 month settlement for one of my accounts and i have the final letter in my email. It should have been 3 payments that equal to about {$360.00} last payment was sent XXXX XXXX ish. It should be complete and off my records. I should only one capital one account on my credit at the moment. But today i get an alert and it dropped my score at a large rate thats already hard for me to get increased. I worked hard on my credit score but for something wrong to be reported and drop my score is very upsetting.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I had a XXXX on XXXX XXXX 2011. I was put in an XXXX for 7 days and received excellent care. 

Well, the bills start rolling in. I get a XXXX dollar bill from the hospital, and almost have another XXXX XXXX ( XXXX XXXX ). Because being retired military I thought I was covered. I went to my XXXX office and they laughed ... and so did I after they told me what my responsibility was. 
I then paid my deductibles in full ... thinking that my financial responsibility was fulfilled. Then, after the XXXX I personally hired a credit agency to monitor my credit, and I received a notice that a collection was filed against me by the XXXX XXXX XXXX XXXX XXXX XXXX that was being collected by Business Professionals ( BP ) XXXX 

After contacting BP XXXX I found out that the original billing company did n't have my insurance information and they said the original creditor ( XXXX ) did n't have access to my information in time to file a claim due to HIPA laws. But my insurance XXXX XXXX XXXX says that my only responsibility is to provide my information to the XXXX hospital, and it is the billing agency 's responsibility to garner that information from the hospital. After I came home from the hospital, I made my insurance information readily available to anyone who contacted me, and I paid my co-pays in a responsible manner. 
Now, the collection agency is telling me that I am responsible for the entire bill, even though the agency that supposedly is billing me has no record of my care, account, or even billing me at all. I feel this is unfair and borderline corrupt. If the original agency can not even reproduce an account or bill that they sent me, how can I tell if this an actual debt?
Consumer complaint received 2022-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

When I asked about repayment options while I had XXXX XXXX coming in, including deferment and forbearance -- and I was told that I was ineligible for any other options and I needed to continue to make my monthly payments -- was I, in fact, able to just restate my XXXX income and have a XXXX XXXX monthly payment this entire time? If so, I want a refund for the payments made on my loan since XXXX, totaling {$980.00}. Money is extremely tight, I need to make ends meet, and I sure could have used the other options at the time. 

Attached are my payments history from Navient 's website, and the calculation for the total.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

as you know in my other complaints that i XXXX XXXX sent out two payments a month to my bill pay recipients. fifth third was paid several extra payments. when i asked for a refund they paid me TWO payments. i assumed they were keeping a payment for this month but this month they are calling me incessantly about my mortgage not being paid. when i call them they cant find where the money went as usual for fifth third. i still never got my {$800.00} back when my payment was re-evaluated. no answer to where that went and no credit anywhere for {$800.00} either. i am also contacting XXXX XXXX about this matter. i want my money back. the {$800.00} and also the excess mortgage payments that just disappeared into thin air.
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

An umbrella consolidation was done and delayed an additional 60 days to accomdatie NAVIENTS student loans. Eventually based on the information received a check was issued. A review showed the a pay-off check was received an cashed by Navients. However, Navients denied receiving payment and has instead conjured up additional laons from their hidden closet. When will it all end and how far will they go? Please help me to be rid of the fraudulant, underhanded company. 
XXXX
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: EOS Holdings, Inc. (CT)

EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.