davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX, FL XXXX SSN : *********** | DOB : XX/XX/XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Consumer complaint received 2022-08-25
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

We were covered under medical insurance and the company indicated that they were not sending this account to collection. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (PA)

Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my report.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I recently disputed information on my Experian credit report that I either have no knowledge of and or duplicate accounts that are reporting on my credit report. I also disputed incorrect addresses and names that I am not known by or ever used that are reporting on my credit report. The only address that should be on my report is XXXX, ga XXXX. My correct name is XXXX or XXXX XXXX XXXX which are the only names I have used. I have several student loans from the dept of education, aes and naive to reported duplicate accounts that have been consolidated. This is hurting my credit scrore preventing me from getting a home loan. I have XXXX duplicate accounts reporting from XXXX XXXX XXXX that I have no knowledge of and XXXX account from XXXX XXXX that I also have no knowledge of.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00}
Consumer complaint received 2021-11-26
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: Santander Consumer USA Holdings Inc. (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX from XXXX XXXX XXXX XXXX called phone number XXXX or XXXX or XXXX. Stated I had a complaint submitted against me from Capital one. Said that Capital one charged off an account of mine on XX/XX/XXXX. I currently have a capital one card in excellent standing. I called capital one at XXXX and XXXX at capital one verified I do not have a charge off with them. I called XXXX at XXXX XXXX XXXX XXXX back on XX/XX/XXXX and gave her the information from capital one and she stated she would call and would call me back. Today XX/XX/XXXX I received another voice mail from XXXX XXXX from XXXX XXXX XXXX XXXX when I called back they state that I I still owe this debt that they will not contact Capital one and that I can figure it out when they bring legal action against me. She then proceeds to hang up on me. The last four digits of this account that XXXX XXXX XXXX XXXX said it wasXXXX. When I spoke with Capital one they verified the last four digits of the only previous account I had with them was XXXX. XXXX at Capital one felt this might be a scam and had me send an email to XXXX. Which I have done
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life
Consumer complaint received 2022-01-05
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My mortgage company ( Ocwen ) did not pay my flood policy which had cause my flood policy to elapse. I had contacted them several times before my policy had elapse in which they had stated that need to research what happen. I also called them with my insurance company ( XXXX ) on the phone which had confirmed with them that a statement was sent twice and the policy still was not paid. 
Ocwen representative had stated that they will issue a payment. The next month I contacted my insurance company to make sure that the policy was paid and was told that not only was my policy not paid, but now had elapse. Since I am required to have flood insurance I had to have another policy made. The new policy was significantly higher then my last policy. It went from around {$540.00} a year to {$3800.00} per year. This new policy had caused an escrow shortage which in return cause my mortgage to increase. 

My insurance company had explain to me and the Ocwen representative that had my policy been renewed prior to it being elapse that my policy would had remain at the {$540.00} per year. Ocwen told me that they would reimburse me the difference. This was about eight moths ago. Every time I call they give me the run around saying that at first they lost my account number to it will take 30 days. It have been well over eight months. The last time that I 've spoken to a Ocwen representative was on XX/XX/2016. I 've spoken to a supervisor from their insurance department name XXXX XXXX. XXXX XXXX told me again that they will need another 30 days. 

I called them back today ( XX/XX/2016 ) and was told that they was still working on it. When I requested to speak with the supervisor again the representative stated that " there nothing that the supervisor can do the she ca n't ''. She then continue to deny me to speak with a supervisor. 

In all my mortgage payment had increased twice this year for a total of about {$450.00} for Ocwen refusal to pay me flood insurance.
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NV)

I received a bill for {$79.00} from XXXX XXXX which I believe I did not owe. I submitted a dispute through my bank and XXXX, which I won as XXXX ended up agreeing to the dispute in my favor. After resolving this dispute, however, I was harassed and called by XXXX nearly every single day for several months requesting this same money that they agreed to drop during my XXXX dispute. They have now sent this to a XXXX XXXX called Sunrise Credit Services. I sent the XXXX XXXX the documentation from my bank showing that this had been settled, and they responded by going back to XXXX who told them to ignore this documentation and continue pursuing me for this money.
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This information is inaccurate and reporting on my credit resport and does not belong to me. I mailed them asking for validation and they have none. This is a violation to my rights to furnish information regarding my XXXX self. My information was sold to this company and furnishing information that is not true. Again, this is a violation to my rights as a consumer. This is deceptive to my background, my character, and in the way of me getting opportunities for business. This need to be solved immediately. I've reached out via mail and no response but harassing phone calls during my work hours. 

Please have this remove from my credit report. 

Thank you.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WY)

On XX/XX/XXXX I noticed a debit from my bank account for {$300.00} to " XXXX XXXX XXXX  XXXX  ''. I immediately called bluebird by american express to advise I did not make this charge or purchase, I was told to call back when the charge has processed as it was currently on hold status. 3 days later it had processed so I called back, they started a dispute on the charge & canceled my card & sent a replacement debit card & said it would take 7-10 days to resolve. I then emailed XXXX  about the charge & they responded to call their fraud dept. XX/XX/XXXXI called XXXX  fraud & was told the purchase was for XXXX XXXX tickets in XXXX XXXX on XX/XX/XXXX & that they couldn't refund the charge because the event had already taken place & the tickets were used. XX/XX/XXXX I called bluebird by American Express again to see where the investigation was at & why my funds were still locked. This is my checking account, my paychecks are direct deposited, all my funds are in this account and have been locked for 20 days. Bluebird advised my funds would be locked until I activated the replacement debit card, which I still hadn't received so they had to send a second one. My dispute was denied even though I could provide proof I was no where near XXXX XXXX  at the time of the incident.
Consumer complaint received 2015-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (NY)

I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

We have had continued issues with XXXX LoanCare , LLC paying the correct property and school tax from our escrow account. There are sufficient funds in our escrow account, but according to past phone calls, most recent of which was XXXX XXXX, they have been paying the wrong amount and wrong parcel number. It took us 1.5 years and a complaint here with CFPB to get them to pay our XXXX property/school tax. They accrued a couple XXXX dollars of extra fees by paying it excessively late. Now we are having issues with our XXXX property/school tax. Our most recent correspondence was received from our local Tax Claim Bureau that our property/school tax has again not been paid in full on time. The certified letter is dated XX/XX/XXXX and states : " If you fail to pay this tax claim or fail to take legal action to challenge this tax claim, your property will be sold without your consent as payment for these taxes. '' I forwarded this letter through their preferred online form/messaging center and like last time, did not receive any type of receipt of message or response back. Their online messaging system does NOT work at all! Previous form submissions included a letter from XX/XX/XXXX and letter from the school district XX/XX/XXXX. The tax bureau still shows {$2300.00} of delinquent taxes need to be paid for XXXX. This is not our fault but we could receive the ultimate penalty for their continued negligence to correct the addresses and account numbers on our property tax/escrow account! I sincerely hope this complaint will rectify this situation permanently.
Consumer complaint received 2019-10-21
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. (TX)

XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I had disputed XXXX XXXX account with Equifax as I was a classmember in Class Action TCPA, Case # XXXX XXXX ( MDD ) which settled and XXXX was court ordered to reimburse clients and remove their reporting from credit bureaus. Equifax is not obliging with that and my class action settlement is being ignored.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (FL)

CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.
Consumer complaint received 2021-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (ID)

Midland Credit management sued me around XX/XX/2021 for a debt of XXXX, after I received their letter to sue me I called their lawyer XXXX XXXX XXXX to arrange payments. They then tacked on interest, fees, and legal fees to the debt which is now XXXX and are now trying to garnish my wages through filing a suit through the local sheriffs office. I don't understand why I have to pay for their motives and not settle this matter with me instead of garnishing my wages
Consumer complaint received 2021-01-19
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: National Credit Adjusters, LLC (TN)

Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This item is reporting on my Trans Union credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report.