davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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)

There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX XXXX  - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}
Consumer complaint received 2021-04-07
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: Waypoint Resource Group, LLC (MN)

the following account Waypoint Resource Group that is listed on my credit report does not belong to me, I've recently contacted the company via phone and they were unable to find an account listed with my information in their system but it still shows up on my credit report.
Consumer complaint received 2023-03-30
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. (WI)

On XX/XX/2023 I've noticed an error on my consumer credit report that was harming my personal report and causing stress to my financial life. Account # :XXXX, Circuit Court Reference # XXXX reporting on Transunion is inaccurate and falsely reporting information hurting my credit report. I am distressed that Transunion has included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports. 

Account # :XXXX is in violation of 15 U.S. Code 1681i ( c ). Statement of dispute required by CRA after 30 days following a reinvestigation. Also FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms Circuit Court Reference # XXXX is also in violation FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g. No account balance is owed but TransUnion continues to violate my consumer rights by reporting false inaccurate and illegal accounts on my consumer report that violates my consumer rights of 100 % accuracy on my credit report.

These accounts are also in violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2019-02-19
Product: Debt collection — Payday loan 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: CLX Systems/ Westwood Management (CA)

I obtained a loan from XXXX in the amount of {$600.00}. I was making payments to them and unfortunately I had to close my bank account. XXXX sent my file over to a collection agency that is called Westwood. They threatened to take me to Jail, to sue me and to file legal action against me. When i asked the representative at XXXX to email me my file so I can review it he told me to shut my mouth. XXXX also contacted a family member of mine and left a voicemail disclosing personal information regarding my debt. When I told the representative they are not allowed to do that he told me they are going to take me to court and im going to lose and he is going to take the money from me. He refused to give me the companies business license and refused to provide me an address for their business. I dont have an issue paying my debt off, but I will not be threatened and harassed.
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (AK)

I applied for student loan forgiveness since I have more than 120 qualifying payments, on XX/XX/2021 under the Public Student Loan Forgiveness and the Temporary Expanded Public Loan Forgiveness Programs, and only received notice that I was not approved based on the PSLF program. I know that I meet eligibility under the TEPSLF program, but Fedloan Servicing has not provided any feedback regarding my application nor have they forgiven my loans.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (KS)

show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (WA)

In XX/XX/2023, I have paid off enough principal to reach LTV below 80 %. As per my mortgage contract, I have requested Loancare , LLC via phone call to remove my PMI. They rejected my request after 2 weeks via formal notice. I called them and asked them why it was rejected and they said that it is at 79.96 % and the system can only take it when it goes below 79.9 %. So, Ive paid little more to go below that requested again. They rejected it again after two weeks. This has been repeating from last 3-4 months. I am currently at 78.3 % LTV and they are still rejecting my request.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am sending this request several times already to address the inaccuracies in my Credit Reports. This company, XXXX XXXX XXXX XXXX  XXXX, is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (WA)

Regarding the debt collection with the amount of {$4100.00} on XX/XX/XXXX from the Collection Agency : KIMBALL TIREY STJOHN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not receive any official collection details from the letter, email, text message, or phone call for this debt collection. 

Under the Fair Debt collection Practices Act ( FDCPA ), I sent an official letter to the company KIMBALL TIREY STJOHN on XX/XX/XXXX to request proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

I did request the collection agency KIMBALL TIREY STJOHN to provide the following documents within 30 days from the date of the receipt : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

However, I did not hear any feedback from the collection agency KIMBALL TIREY STJOHN.
Consumer complaint received 2019-02-19
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. (GA)

I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to XXXX and XXXX  And XXXX XXXX XXXX with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (FL)

Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arias Bosinger (FL)

On XXXX I made a request for a payment arrangement with AriasBosinger requesting a payment arrangement in order to settle a {$2100.00} debt owed. On this date I made a payment of {$210.00}, about 10 % of the total debt, in order to execute this arrangement request, as required by AriasBosinger. To note, in order to make this payment arrangement I was forced to agree to a {$350.00} pay-to-pay fee to be added to my total debt. 

On XX/XX/28 I received a 12-month payment arrangement from AriasBosinger with a modified total debt of {$3800.00} which included the {$350.00} payment arrangement fee, {$920.00} in future dated assessments, {$100.00} in future dated late fees, and {$290.00} in future dated interest ( for the {$920.00} in assessments ). The arrangement also had no language stating that if payments in excess of their monthly requested amount ( {$320.00} ) that the total number of monthly payments or any future dated fees/interest would be removed from the total debt, therefore making the total amount due less. 

Between XXXX and today, XXXX, I made multiple requests to XXXX XXXX XXXX, the attorney with AriasBosinger handling this case to update this language, or to remove the future dated assessments, fees, and interest from this arrangement and allow them to be settled with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As of today, XXXX, no changes have been made, or have attempted to be made. 

This arrangement and the attorney 's office involved is violating the FDCPA in its regards to unfair and deceptive practices. Their addition of the {$350.00} arrangement fee as well as their additions of future dated assessments, fees, interest, and inability to make it clear to debtors that their debt can be cleared if payments in excess are made.
Consumer complaint received 2022-07-19
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)

I am sending this request several times already to address the inaccuracies in my Credit Reports. This company, XXXX XXXX XXXXXXXX XXXX XXXX, is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-08-09
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. (VA)

There were multiple hard inquiries from different companies pulled that I did not authorize. They are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX Account number : XXXX Amount : {$30000.00} XXXX XXXX  Account number : XXXX Amount : {$250.00} XXXX XXXX Account number : XXXX Amount : {$98.00} XXXX XXXX Account number : XXXX Amount : {$21.00} XXXX  XXXX Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX XXXX Account number : XXXX XXXX XXXX {$42.00} XXXX  Account number : XXXX Amount : {$520.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Consumer complaint received 2020-05-26
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. (KS)

show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I am unable send payments due to recent payment activity. I explained there is no fraud on my account and it was me who sent a small test payment to maksl sure it went through successfully. Then I sent the full amand was denied. I am requesting this hold be removed as I am the account holder and the person expecting the money needs it for important matters. They should not be doing this to customers. There should be a timelines for temporary hold. Inhave seen others complaining about the same issue. Perhaps their security processes need to be investigated and changed. This is unacceptable treatment towards customers.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (MD)

KIMBALL TIREY STJOHN Original creditor : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> They have not provided debt validation
Consumer complaint received 2023-03-30
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. (NV)

Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone
Consumer complaint received 2022-08-15
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. (FL)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Consumer complaint received 2022-07-19
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. (KS)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : 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 2022-07-19
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. (KS)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (MD)

Hunter Warfield is reporting an incorrect collection and balance of {$5300.00} as XX/XX/year> for a joint account. XXXX XXXX XXXX is the reporting original creditor. The debt is being settled with the owner by XXXX XXXX XXXX.
Consumer complaint received 2021-04-07
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)

I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.