davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (KY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-27
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. (NY)

All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AL)

I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED CONSULTA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED CONSULTA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it removed.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BMO Bank, N.A. (IL)

On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.
Consumer complaint received 2020-11-27
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)

All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.
Consumer complaint received 2015-12-09
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Credit Management Corporation (TX)

Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have recently pulled out my credit profile from Experian company. I have found out XXXX or more accounts that are incorrect, I have contacted the credit report company, Experian, to ask them to investigate the incorrect accounts that affect my credit files. But Experian sent out the letter that said " we received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you ''. ( see attachment ), although I have enclosed my government ID and a recent electric bill. The reason I have sent many letters to ask Experian to investigate, because Experian has listed many incorrect items and infomation on my credit report. I can not send XXXX letter to ask Experian to investigate for XXXX or more items that are incorrect. It just does n't make any sense to me to receive this letter from Experian. They Just wanted me to dispute online via their website, and I did. But when I tried to dispute the incorrect account and they did n't let me do it. They said it was investigated for previous disputation. Now I try to access their online result to attach with this letter, but it said the system error ( see attachment ). I 'm not satified that. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchtruly Yours, XXXX XXXX
Consumer complaint received 2022-08-10
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. (MD)

I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC (GA)

D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (PA)

I got letters in the mail from M & T bank about an account opening on XXXX and then got another letter from XXXX XXXX  stating I opened and account with them on XXXX. 
I did call both and have them both close the accounts and was told to come here and report that. I also got a letter stating that I ( AKA someone else ) put in a request for unemployment with the current work place I'm at, I sadly couldn't get ahold of anyone to inform them that it was not me. I haven't given any information to anyone.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently pulled my credit report for Transunion and have noticed that they are reporting late payments on student loan accounts that should have been showing paid during the pandemic. The C.A.R.E. Acts which was initially passed in XXXX during the height of the pandemic allowed student loan repayment forbearance and all loan payments should have been covered under this act and the payments should have been deferred. 

Transunion is allowing the US Dept of Education to report 2 student loan accounts as late during the months of XX/XX/XXXX through XXXX of XXXX. These accounts were showing as paid during this time until about 2 months ago. I have made several attempts to inquire about this change and why they suddenly updated the accounts as being late during this time. I have not received a response, nor has my credit report been update to reflect the correct information.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (TN)

I went to XXXX  on a month to month lease. When I got out I couldn't go back to the property but I was paid up on my rent so I told the office I since I couldn't go back to the property until court is over to shut everything down but they kept charging me rent even after I got a police escort to come over so I could move my stuff. They kept charging me rent like I had a year lease and that's not true
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Consumer complaint received 2022-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I an concerned that I am being double billed for the same student loans. Early in 2022, I received information regarding my student loan servicer, Navient. I was informed that they would be handling my loans moving forward. My loan balance is not correct. I contacted Navient numerous times requesting detailed documentation on my loan. I was initially informed that they did not have any information to provide and I shouldn't be concerned since they are in " In-school deferment '' status. On another call, I was informed that the information would be emailed in 2-4 weeks. I never received the information. I called Navient to request the information again and was informed that no information could be provided until July 2022 due to pending litigation regarding some loan accounts, but, they were unable to confirm if I was included in this matter. In July, I never received anything from Navient. I did receive notification from the XXXX XXXX XXXX XXXX that my loans were being transferred from XXXX XXXX to a new service provider. I contacted again to inquire about my incorrect loan balance and was told that I would receive detailed documentation on my loan, via email, in a " few weeks. '' I have never received anything, except for a summary of the incorrect balance. I contacted XXXX XXXX XXXX, who initially stated that they did not have the records and then referred me back to my service provider, Navient, who told me that their records are correct but have failed continuously to provide that information. Rather than sending me the documentation I requested, they sent me generic templates that I can retrieve on my own.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (UT)

Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc (CA)

On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name.