davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (IL)

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute Security finance XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX light XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute Car credit city XX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (FL)

this company is reporting to transunion on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2021-08-12
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/2021 ( Reported Identity Theft )
Consumer complaint received 2018-10-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 21ST MORTGAGE CORP. (NY)

AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX  XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. 

Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary,  where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. 

We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. 

The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.
Consumer complaint received 2018-10-09
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: SYNCHRONY FINANCIAL (FL)

XXXX client, XXXX XXXX is a victim of identity theft. He received a letter from XXXX XXXX   confirming an application was submitted with his information without his consent. This account has been reported to XXXX, XXXX  and XXXX. An official dispute of this inquiry was mailed certified with return recipe tto SYNC/XXXX  however as of this date no reply from XXXX XXXX has been received. This is a violation of the FCRA and my client 's consumer rights.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.
Consumer complaint received 2019-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

equifax is reporting US DEPT OF ED acct.no, XXXX The account IS TOO OLD TO BE ON FILE. 
I have not made a payment since XXXX2011.I never paid any money to the {$9100.00} original balance.I never used any of the loan proceeds to pay for school.I never went to school or passed any courses using this money.There is no payment history from me or proper deferment earned.The account is inaccurate and TOO OLD TO BE ON FILE.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

In XX/XX/XXXX I made application to refinance with Wells Fargo of my home that I had just purchased in XX/XX/XXXX, to take advantage of the lower interest rate. At the time, I have submitted all of my financial documents, and everything appeared to be ok, then suddenly there was no contact, as I insistantly inquired as to what was happening, I was finally told that my house did not appraise for the mortgage. I purchased my home for $ XXXX, and was told by Wells Fargo it was only valued at $ XXXX, just a few months after purchase. I tried to get answers on how and why they made that deteremination, I could not get any answers. I felt at that time, my home was intentionally and grossly under valued by Wells Fargo, for some reason, and could not get any reason as to why. Now, in XX/XX/XXXX, I was in contract to sell my home. I have a valid appraisal of my home for $ XXXX. I settled with the potential buyers for $ XXXX. The buyers had Wells Fargo as their bank. An appraiser through Wells Fargo, appraised my home at $ XXXX, shocking myself, the realtor and everyone involved. The appraisal was wrought with unexplained errors and comparisons. When my valid appraisal and supporting documents were submitted for review and reconsideration, Wells Fargo would not review the appraisal. The sale of my home could not take place. I believe my home is being intentional and grossly under valued by Wells Fargo.
Consumer complaint received 2021-08-12
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: ARVEST BANK GROUP, INC. (CA)

My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XXXX of 2020, discharged in XXXX of 2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?
Consumer complaint received 2021-04-02
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. (MI)

Working hard to pay off debt. XXXX and XXXX scores moving up. Equifax decreased my score by 25 points. Inquired about changes. There were 8. One card increased my credit limit. 7 credit cards had decreased balances. Equifax continues to decrease my score with out merit. Equifax should be responsible and accountable for decreasing Anyones score without fact based reasons.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (IA)

My attorney submitted two packages of doucuments via fax and direct mail. They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the RIS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by XXXX. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that XXXX is now in direct violation of the FCRAs 605B provision. Apparently, XXXX  is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
Consumer complaint received 2018-10-09
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: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

After checking my credit report back in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Helvey & Associates advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Helvey & Associates - I am not liable for the collection of the debt from XXXX XXXX  as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Helvey & Associates states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX  ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Helvey & Associates has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

My name is XXXX XXXX. On the XXXX of XXXX, I called and requested that Pro-collect send a letter of debt validation in the mail. They were very rude and not helpful over the phone. I explained that I had no idea about the debt that was being claimed, and asked for a debt validation letter to be sent. They refused, stating that the debt was accurate and can be explained over the phone. I explained I still needed a validation letter, but they insisted that this means that I refuse to pay. I have no idea what debt they are trying to claim. They arent even trying to make a settlement, for whatever debt they say I owe, so I can just be away with this problem. They are very rude and conduct business unprofessionally.
Consumer complaint received 2020-12-12
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. (CA)

i ran my credit today and i saw i had 2 collections for the same amount of money with 2 different names. so i know this is not legal. how can 2 different debt collectors put a collection on my credit report which is not mine. 

here is the info reporting on my credit report, XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection as you can see this collection is not on my XXXX or XXXX . this company is doing fraud. 
here is the other name XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection Payment Frequency : -- -- - as you can see they are reporting the account twice on my credit which is damaging my credit score. i would like both of these accounts removed from my credit report also i would like a check mailed to my home for {$10000.00} dollars or else im gon na sue in federal court. my address is XXXX XXXX XXXX XXXX, ca XXXX thank you
Consumer complaint received 2021-04-02
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. (GA)

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and Equifax and XXXX and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (VA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-12-08
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. (MI)

XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (MN)

Money Network changed their fee terms without informing me. Prior to this ( and I have all the statements and fee structure form ), an account in good standing was charged no fees unless no activity occurred in six months. This changed without any notice in XX/XX/XXXX. They now charge a fee of {$5.00} which I have now paid 6 of them ( {$30.00} ) unwittingly. 

I have sent the complaint to Money Network and I reached Summer on XX/XX/XXXX at XXXX XXXX. They said that the fees could not be refunded as it was my fault that I did not pay attention to the notice. I certainly did not get a revised notice and still have the old one on my desk. I am sending a picture of the relevant page and that as long as I had activity within six months, no fee would be charged. I also send my statements proving that I was charged.
Consumer complaint received 2021-04-02
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: R.M. Galicia, Inc. (CA)

I have made several efforts to resolve this matter directly with Progressive Management services I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oliver Adjustment Co. (IL)

OAC has been inaccurately reporting a paid off service on my credit report, and furnishing this information to credit bureaus since XXXX of 2019. I informed OAC that this information was incorrect, and asked them to verify with XXXX XXXX XXXX, the original creditor, that the information that they were reporting was accurate. The original service was paid by IDPH through XXXX insurance at the time of service. Attached is proof of coverage that was also sent to OAC. This information can, and should be verified by OAC as they have a legal obligation to do so in order to validate the debt. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )