davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern Account Systems got the collection item XX/XX/XXXX and neither they or the originator, ever invoiced me or gave me the opportunity to challenge the claim. 
I never hired or obligated in any fashion, to pay the amount that they are claiming in the collection. The collection came from a hospital visit on XX/XX/XXXX which was paid to the hospital by insurance. 
The client of EAS collections has no claim against me for I never hired them, I never agreed to pay them any amount and I knew nothing of them at all until I found their collection item on my credit record at the end of XXXX. 
EAS collections should have given me all my rights to challenge this prior to placing the collection item on my records. 
I herein challenge the account in it's entirety and pray they provide written proof and documentation proving without question I owe this.
Consumer complaint received 2017-06-06
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: EQUIFAX, INC. (NE)

Hello, I hope this letter finds you doing well.
XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as Equifax, XXXX, and XXXX. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,  XXXX is reporting to credit reporting agencies such as Equifax, XXXX, and XXXX, that I was late on each of my six  student loans in question.
<P/>
InXX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the end of XX/XX/XXXX <P/> Thus, XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/> However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments.
<P/>
I have called XXXX to dispute these late payments, and I have supplied XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information.
<P/>
Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Consumer complaint received 2020-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

BELOW is a recently ( 3 days ago ) added Negative collection on my report ( XXXX and Transunion bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX  debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX  Last reported XX/XX/XXXX {$1000.00} Open balance XX/XX/XXXX Original creditor XX/XX/XXXX Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also you can not get incontact with TRANSUNION through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

Begining in XXXX 2017, Equifax received payment of {$5.00} to provide me a replacement pin so I can lift my credit freeze and provide evidence of identity. They have failed to provide me a pin and this is causing me to not be able to purchase a home. <P/>
I have written them 3 times and my attorney wrote them on XXXX XXXX2017  and to date they have failed to provide me a replacement pin even though they have accepted my payment and failed to return the payment.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

My loan servicer is AES and XXXX. This debt has caused many problems for me and my family. My father cosigned for me on the loan, because I was young at the time. My father did not speak English, and still to this day does not speak English, does not comprehend, nor can read or write English. I was XXXX at the time this loan was signed. We both did not understand the terms of this loan. I had just graduated high school. Only been living in United States for six years. Neither of us understand the term of the loan. At the time we were in the understanding that we would pay back the amount borrowed after I graduated from college.
However when I graduated college, I noticed the amount of the loan has almost doubled. We owe more now than when we borrowed the loan. We borrowed {$29000.00}, we have paid back {$24000.00} and now looking at the balance of the loan, we still owe you {$33000.00}. I was making payments during my college years as well as after gratuating.
This contract is invalid due to The Deceptive Trade Practices Act ( DTPA ), because my father and I did not understand what we signed at the time of the contract, and I believe the worker was aware of the communication problems, but did not properly address it, or try to make us aware of what we were getting ourselves into.
Everytime I try to contact the loan servicers I get the run around, with out a real answer of how come I owe more than I borrowed after paying so much.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

CoreLogic Credco is not abiding by the permissible provision of the Fair Credit Reporting Act. CoreLogic Credco hard inquiry does not demonstrate Factual Data pursuant to the act CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XXXX XXXX, 2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. On XXXX XXXX, 2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

I have disputed the items several times it has not been taken cared of I have two credit cards that are secured cards I never applied for I have fraud alert on my report to call me have never been contacted bye none of the credit card company asking if I am applying for service someone had a lease in my name in another city I never lived in it's been affecting my credit scores for years now reporting deliquent when I am not please help me it's about XXXX or over in charges that are fraud
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OK)

Card was stolen charges were racked up to the credit limit and then appears to be paid but canceled after already spending the credit again causing the card to be doubled the limit. If I make pmts Im not gon na cancel first off it cost money to cancel a payment.
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (CA)

Called to get a deferment on the loan due to hardship caused by COVID. ( We were unemployment ) was told by this company they werent offering them unless payment was late. 
Traded the vehicle in the dealership was late on paying the old vehicle off. We called loan company they told us there was nothing they could do.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

To whom it may concern : On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Bank ) took me to small claims court and I won a judgment against them. I wrote a letter XX/XX/2018, requesting that they remove all negative items placed on my credit report due to the judgement received against them ... as they are in violation of the Fair Debt Collection Practices Act. They replied that they received the request and they checked with the original creditor and found that their information was correct and wouldn't remove the negative item from my credit profile. I won my case and do not owe the debt and they didn't not remove the derogatory information off of my credit profile. They are in direct violation of the FDCPA. 
I am including a copy of the judgement and response from XXXX XXXX as well as my letter I sent by certified mail.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

XXXX from OneMain Financial in XXXX, Kentucky has been asked several times to stop calling my place of employment and my personal cell phone. I have enrolled in a debt settlement program and they have also contacted him to stop communications with me that they handle the matter now. He went as far as coming to my home this Saturday XX/XX/XXXX around XXXX. My husband answered the door and told him I was not home but he kept insisting my husband was lying because there was XXXX vehicles in the driveway. He has since continued to call my phone 3 and 4 times a day as well as calling my place of employment at least twice a day if not 3 times some days. My boss has even asked the calls to stop at work but they continue! It is affecting my job now and this has gone to far!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 2020-08-22
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)

I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (TX)

On XX/XX/XXXX of 2019, I purchased a XXXX XXXX 2019 at the XXXX XXXX in XXXX, Texas. While the buying experience was pleasant, I did feel somewhat under pressure to purchase. I visited the location just me and my daughter. After the purchase, I felt like I had gotten a bad deal regards the monthly payment and considering that I have zero upgrades in the car but rather the base model of the XXXX line. This was the first time that I purchased a new car on my own and I lack somewhat of knowledge in that area. I was made aware by a friend recently that I had gotten a bad deal for a leased car with no upgrades and the car had 300 miles on it when I received it. My monthly payment is XXXX USD for 48 months. Furthermore, I have to pay for maintenance, I had to pay XXXX dollars to have my tires rotated. 

My current Payoff quote amount is : Residual Value : XXXX XXXX Remaining Future Payments : XXXX USD Lease Charge Rebate : - XXXX USD Buyout Amount : XXXX USD
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020 I mailed a letter to this company requesting verification of inaccurate accounts showing on my credit report. I haven't received a response yet and these inaccuarate unverified accounts are still on my credit report.
Consumer complaint received 2021-11-18
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: PNC Bank N.A. (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : BBVA USA XXXX Balance : {$0.00} ; BBVA USA XXXX Balance : {$0.00}
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

XX/XX/2020 I cancelled a Preferred Customer Service Program associated with the Lease agreement. A {$310.00} refund that was due to me was posted to my account as a Security Deposit Increase. The refund should have been credited to my account in the form of a reduction to monthly cost or by check to me. Additionally, my leasing agreement does not provide for a Security Deposit that is not agreed to at lease signing.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I reached out to Equifax company because they didn't provided any of the documents that I requested to show any of the accounts were verified. They also sent me back information listing an address that is not mine, that I included in my initial police report of identity theft. They claimed that they verified this information.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery has failed to show proof of authority to collect on a credit collections debt they have reported to my credit reports They have not provided any copies of documentation showing they sent any notice prior to this date and are in violations of my rights- Before reporting this is suppose to be sent giving me the ability to dispute this They also have not provided copies of documents proving the amounts they claim is owed- Nothing they have provided show the amounts they claim due I would like them to provide a copy of the notification letter sent concering this debt owed. I would like them to provide a notice from XXXX XXXX XXXX stating that Porfolio Recovery has the rights to collect this so called debt