davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

Since XXXX of XXXX I have been trying to get an exact amount to bring my mortgage with XXXX current. I spoke with the rep and asked her for the total amount to bring the account current. Paid that amount and continued to make the monthly payments in XXXX & in XXXX. I mailed both these payments to them with old copies of statements since I had not received any statements from them. Called on XXXX XXXX to make the XXXX payment over the phone & spoke with XXXX XXXX, who informed me that I was running XXXX month behind and owed XXXX & XXXX for XXXX of {$2400.00}, which included late fees and some other fees for having someone verify that the property was lived in. They refused to waive those, so I made a payment of {$1200.00}. My regular payment is {$1100.00} plus {$33.00} for each late fee past XXXX. So I was told by XXXX that the balance for XXXX would be {$1200.00} plus the {$1100.00} for the XXXX payment. This total would be {$2300.00}. Called XXXX XXXX to make payment for XXXX for {$1200.00} spoke with XXXX who confirmed a balance of {$1100.00} due for XXXX. Called and spoke with XXXX who took the XXXX payment for {$1100.00}. I asked what was due for XXXX and was told that since we had been paying extra, the amount due for XXXX was {$870.00} plus {$33.00} late charge, for total of XXXX. Called XXXX XXXX to make the XXXX payment and spoke with XXXX XXXX. I made a payment of {$1100.00} after verifying with him that we needed to pay {$900.00} for XXXX. He stated that the additional {$200.00} would be applied towards the XXXX ember payment. I called today to inquire about the statements and to request some type of correspondence showing what was due for XXXX and spoke with XXXX XXXX. Back in XXXX we filed XXXX XXXX '' bankruptcy and it was discharged in XXXX XXXX. According to XXXX they had no such documentation stating the discharge and she would have to check it. After a long hold, she said that " nothing showed pending ''???, so I imagine she confirmed it. I asked what the amount due for XXXX was and was told {$1.00}. I asked why so much and what happened to the extra {$200.00} that I had been told would be applied towards XXXX and was told that the {$200.00} was in a " suspense account '' and that it would be used towards whatever fees I had owing on the account. I asked for an itemization of the payments, late fees, etc and was told that nothing would be mailed to me because we had filed bankruptcy. Even though it had been discharged, just because we had filed it, it did not entitle us to receive any type of statement. She went as far as to say that even if I submitted the request in writing, it would be denied. So we are pretty much at their mercy and they can continue to charge me fees that I do n't know what they are for.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (LA)

I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX-CP Inquired on Mar 5, 2021 The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the Maryland Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : CAPITAL ONE XXXX XXXX : CAPITAL ONE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2022-07-19
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. (LA)

I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX-XXXX  Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Consumer complaint received 2015-09-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (CA)

This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.
Consumer complaint received 2022-07-19
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. (RI)

The following inquires I do not recognize : XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX  XXXX XXXX  XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX  XXXX
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uptain Group, Inc. (FL)

On or about XX/XX/XXXX, I noticed an account on my credit reports for {$430.00}. I immediately sent the company a letter asking for validation of alleged debt, and proof with my signature that I have any obligation or contractual obligation to pay them. I received a piece of paper showing the alleged amounts I allegedly owe nothing that I asked for in my letter to them. I again sent a follow-up letter dated XX/XX/XXXX have not received any response nor have they noted on my 3 credit reports as per Federal and State law that the account is being disputed.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I have a negative balance of {$800.00} in my student loan account. XXXX XXXX owes this money to me. It refuses to provide it. Please intervene in order that my funds are properly refunded.
Consumer complaint received 2023-08-08
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)

This inquiry were not authorized by me. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2019-03-08
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: Experian Information Solutions Inc. (GA)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There were a credit inquiry placed by XXXX XXXX of Delaware on XX/XX/XXXX. This should have been a " account review inquiry " and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX/XX/XXXX so why would I purposely apply in less than 30 days?
Consumer complaint received 2016-12-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OR)

I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

The following inquires I do not recognize : XX/XX/2022 - XXXX XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 - XXXX XXXXXX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX XXXX XXXX  XXXX  XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/2021 I sold a working rare XXXX XXXX XXXX XXXX game on XXXX to the scammer XXXX XXXX WITH PAYPAL for the amount of {$200.00} he got the package on XX/XX/2021 and said nothing until XX/XX/2021 that is 24 days later. He then made the false claim that I sent him a broken disc and he was 100 % sure that the disc was broken because of the scratches on the disc. On the listing page I disclosed that the disc had scratches. I then told XXXX that the XXXX XXXX  is almost 30 years old and the drives are failing left and right and provided him links of other people having issues to show this fact. XXXX still insisted that I sent him a broken disc. I then asked XXXX to put the disc in his cd drive to verify that the disc was broken and not his XXXX. XXXX then said the following if I tried what you recommended but unfortunately I can't try that because I am an XXXX  user and my current device does not incorporate a CD/DVD drive. He then declined my partial refund offer and made a case with XXXX on XX/XX/2021 Where XXXX then sided with his false claim that the disc was sent broken. They XXXX  then forced me to accept the return by providing XXXX with a return label with out my approval. Then on Monday XX/XX/2021 the disc arrived at my house and I filmed me oping the package up and putting the cd into my disc drive and using software to analyze the disc to see if XXXX was telling the truth or not The software was able to show 0 read errors and was able to dump the disc. THIS MEANS THAT XXXX XXXX LIED TO ME AND XXXX TO GET A REFUND WHEN MY POLICY IS NOT TO ACCEPT REFUNDS AND FALSELY CLAIMED THAT THE DISC WAS BROKEN WHEN IT WAS NOT!. PAYPAL AND XXXX THEN SIDED WITH XXXX AND STOLE {$190.00} FOR RETURN FRAUD. I THEN CONTACTED BOOTH XXXX AND PAYPAL AND TOLD THEM THAT I HAVE BEEN SCAMMED AND I WANT MY {$190.00} BACK THEY STILL SIDED WITH XXXX THE SCAMMER DESPITE ME HAVING EVIDENCE THAT THEY NEVER ASKED FOR AND GOT. IN FACT THEY LIED TO ME AND SAID I WOULD GET AN EMAIL TO PROVIDE THE EVIDENCE TO PROVE THAT THIS IS RETURN FRAUD. I THEN GOT AN EMAIL FROM XXXX DATED XX/XX/2021 SAYING THAT I LOST THE CASE AND XXXX WILL GET THE STOLEN MONEY AND THAT MY APPEAL WAS REJECTED DESPITE ME NOT BEING ABLE TO GIVE XXXX OR PAYPAL EVIDENCE. THIS CASE WAS REPORTED TO THE FBI THE CONNECTICUT ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION FOR FRAUD.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.
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 — Account information incorrect
Company: FIRSTBANK PUERTO RICO (NJ)

Santander of Puerto Rico dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX XXXX  demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks 30 60 days late with this bank. 
Santander of Puerto Rico was sold to First Bank of Puerto Rico therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down 100 points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments 30 and 60 days from 2 diff banks and a XXXX score )
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2019-03-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bass & Associates, P.C., Attorneys at Law (FL)

I was placed on a payment arrangement by XXXX XXXX to get my loans out of default. Each month I was paying my payments. I was told I can pay 20 days before or after my initial date and it will still count as a payment marked as paid on my behalf. I then stared being told other things and my payments werent adding up. I spoke to a supervisor and even contacted the XXXX XXXX XXXX. I demanded proof of payment and my completion letter of the 9 payments I agreed to and never got it. Since then I have made several attempts to call and left voice messages and no one has returned my call.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE ASKED XXXX XXXX ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. XXXX XXXX HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Capital One has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Capital One, XXXX and XXXX must be removed.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I am a monthly subscriber to their monitoring service. I am able to view my report online. 

However, I am not able to view the results of any dispute or issue, because they tell me they can not verify my information. How is this possible, when I am able to log in to my report? And how am I receiving their emails? 

This makes no sense. Clearly, they have a system problem and must have incorrect information about me in their files, which needs to be corrected. 

If they have incorrect information about me, they need to make me aware of it so it can be corrected.