davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC (FL)

Advanced Capital Solutions is a debt collector XXXX. 

We are trying to collect a LEASE TO OWN debt that you owe to XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account now owned by XXXX XXXX from XXXX with account number XXXX. 

Opened on XX/XX/XXXX As of XX/XX/XXXX you owe : {$1200.00} You do have an option to settle or you can click on our portal link to customize a payment plan that fits your financial needs. 

The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

I have asked Hunter Warfield to validate this debt multiple times. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

Account Name HUNTER WARFIELD Account # XXXX Account Type Other Collection Agencies Balance {$1000.00} Past Due {$1000.00} Date Opened XX/XX/2016 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month Comments XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

On XX/XX/2021, I sent a dispute letter to Equifax Credit bureau about a bankruptcy on my credit report. It came back as verified. Equifax is in violation of the fair credit reporting act because this information was not verified, because I have a written letter from the courthouse stating the U.S. Bankruptcy Court does not provide information to any credit reporting agency. In addition my XX/XX/XXXX account is frozen.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

credit acceptance incorrectly reporting late payments on my account. I was NEVER notified 30 or even 15 days before my payment date nor was I notified ON my payment date. Which is resulting in misinformation and low scores. Currently I had a joint account with my x wife & the information thats being report on my report and her report, about the same account appear to be reporting differently.. I called credit acceptance to get this matter resolved. But sadly could not. i was told it was my fault and the could not do anything about it. I file a complaint wit the XXXX  Credit acceptance called and said that they will investigate. But investigation was just questioning my on the phone before telling me they could not do anything about it. so NOTHING as be resolved.
Consumer complaint received 2021-04-01
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. (IN)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX CXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-08
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. (TN)

On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with IFRS, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised XXXX of this matter on XX/XX/22. Because TN child support could not provide the information, XXXX MUST remove TN child support from my credit report. Thanks.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (AR)

I contacted this company in XXXX. I believe it was XX/XX/XXXX to change my auto pay from one bank to another.

I was told that this change was successful and according to my account records it was successful. 

Now, I have been told the XXXX payment is late and in collection status even though it was confirmed that my account information was on file. There is no record of them trying to debit the account. 

I called today and was told that my XXXX conversation indeed happened and yet the payment is late. I was told the conversations are recorded so they have this conversation. I confirmed today multiple times that my ach was correct. 

I have also tried to pay this loan today and the system will not allow me to add either bank account. 

I believe I have been discriminated against and subject to a deceptive practice. They have verbally stated and posted that a new auto draft was created to make a payment. How is it that the payment can be late? How is it that I try to go in and make a payment and then the account can not be loaded?
Consumer complaint received 2018-10-09
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: Exeter Finance, LLC. (TX)

I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (OH)

Upon receiving the response from eagle loan I hereby want to start a lawsuit against the things that eagle loan company has wronged me on. Number one issue is they call me every single day of the week u days a week amd lied about it. Number two my signature was not the signature used to sign the check and I was not the one who cashed it out, I reported it as stolen to the police and they were not able to do much about it other than stated I should try to get eagle loan to completely forget the debt. Again I repeat I will not pay any more money for a loan I did not sign for or cash out! If the loan isn't forgiveness due to these factors I will have no choice but to file a lawsuit for the unjust actions of the members including branch Manager for purposely still making me pay off this loan I will to every event I have continue to disagree with the fact that i should not be held liable since my signature was forged as well as the check being cashed by someone who pretenses to me. Another thing that I wish to state is that when they do Call they tell me they have threatened time and time again with various actions.
Consumer complaint received 2022-09-22
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. (CA)

The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (CA)

I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (GA)

I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.
Consumer complaint received 2022-08-07
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. (IL)

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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 2019-03-16
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. (MO)

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, Equifax and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX  NXXXXw {$2.00}, ( # 2 ) XXXX XXXX  {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX {$72.00}, ( # 6 ) XXXX {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX {$960.00}, ( # 9 ) XXXX   XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX   {$71.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I have two checks that were stolen and deposited into the wrong account in XX/XX/2021. I spoke to the bank and was told it would take up to 90 days to complete the investigation and get the money back, but it has been over 9 months, and still no resolution. My bank is Chase, and the checks were deposited into a XXXX XXXX account. They were improperly endorsed, and clearly not deposited into the correct account since the checks were written to a business.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

My ex wife and I purchased our home in XXXX. The lender was XXXX. I was the XXXX XXXX at the time. I discovered the fraud committed in XXXX. It has been a nightmare ever since. We were modified in XXXX. We were forced to file bankruptcy in XXXX and was closed in XXXX. 
XXXX claimed to be a new servicer in XXXX, although we were in a bankruptcy stay they continued to harass and threaten foreclosure ever since. I explained to them that we had reconveyed already. Our statements were ignored they attempted to remove fraudulent from stay in XXXX unsuccessfully. Then XXXX XXXX claimed to be the servicer, although never seen an assignment. They tried to remove from my ex wifes bankruptcy in XXXX. Then Selene is now the servicer and have attempted to foreclose on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They Prestige Default Services are the self declared Trustee now and the loan numbers were changed as well as the TS numbers. Notifications were not sent. I sent them proof that their assignments were fraud and they ignored and continue to foreclose based on the direction of Selene Finance. See Attached Fraud from original HUD to Assignments as well as Notice of Default invalid.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX is refusing to delete the XXXX  account for {$140.00}. Its an error on my report and it doesnt exist on the other two bureaus. Every time I dispute showing proof they ignore it and continue to report it as verified this is harming me for obtaining credit and I need this account deleted. In the files you can clearly see the account doesnt exist on the other bureaus. They are in violation of the fcra reporting inaccurate information on my credit reporting files.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Dear United States Department of Education, I am writing this letter to dispute the validity of the account and of thereby of the said debt regarding reference # XXXX. I never knowingly signed any document in order to take out the foresaid loan and wish to have this cleared from my name. If any loan was taken out in my name, it is fraudulent and I didnt give permission for this to take place. I should not be responsible to repay this debt or any interest or fees or any collection costs that has come about due to the fact that this is fraudulent activity using my name! I am requesting information of how to dispute this fraudulent deed. Thank you in advance for your time. I can be reached by email at XXXX or at XXXX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax XXXX & XXXX have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. Without my phone number this alert is useless and it was never requested or given ...
Consumer complaint received 2021-04-01
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. (TN)

I have contacted and notified all companies involved : XXXX XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.