davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (FL)

Our XXXX XXXX XXXX bill consisted of our business phones as well as tablets that were taken on due to promotional billing credits issued to lower the cost of the phone bill. In XXXX at the time of our XXXX XXXX XXXX rate contract renewing we began looking at other phone companies. On XX/XX/22 we signed the porting contract and our account was cancelled with XXXX XXXX XXXX on XX/XX/22. Since then we were billed and our account debited. XXXX XXXX XXXX issued us a refund on XX/XX/22 XXXX XXXX XXXX continued to deduct payments. On XX/XX/22 we requested a refund in amount of {$1200.00} and received it. We continued to receive bills on the account for a tablet. We sent emails to our account manager and called XXXX XXXX XXXX customer service regarding the balance. XXXX XXXX stated that they would credit bill. Yesterday we received a bill from a collection company regarding the balance due. XXXX XXXX XXXX has turned the account over to Prince Parker collection company.
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-06
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. (FL)

In accordance with the Fair Credit Reporting act Account 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 an account without my written instructions.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

We have a mortgage loan with Freedom Mortgage, Loan # XXXX. Their property tax department number is XXXX. 

Our property was re-assessed in error by XXXX XXXX XXXX Tax Assessor. We have spent months working with the Tax Assessor 's office to get this resolved. It now is fully resolved with the Assessor 's office. They sent refunds for excess property tax payments for the years XXXX and XXXX to our home and we cashed those checks. 

For the year XXXX, though, they sent the refund to Freedom Mortgage, through their property tax company, XXXX XXXX. This refund of {$3200.00} was sent out on XX/XX/XXXX. The payment cleared the bank on XX/XX/XXXX. 

I have called or emailed Freedom Mortgage at least 10 times over the last 71 days to figure out what exactly was holding them up from posting this refund to our escrow account or issuing us a repayment of the taxes by check. 

They take messages, and I have been promised twice now that this would be resolved, but it is XX/XX/XXXX and they still say it is in the escalations department and they have not posted this balance to our account. 

I have a receipt of the payment from the XXXX  XXXX XXXX XXXX, which I sent along to Freedom Mortgage, but still nothing. 

This company is shady and disreputable. They have not given me any timeline for resolution of this complaint.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I bought a XXXX treadmill through XXXX XXXX which is TD Bank. I was to pay a fixed amount each month for XXXX  months. I did that and have my bank records to show that. TD Bank claims I was late XXXX time the continued to charge me late fees on top of late fees. I was never late. Now this is when COVID was causing problems with mail delivery. I don't know if that was the cause or not. 

The late fees are creating a credit reporting issue for me. I have never been late on a payment. EVER. I have tried several time to get TD Bank to correct this problem and all they say is to pay the {$340.00} in late fees. 

I need help fixing this. It is a scam. No interest for XXXX  months and they hit you with late fee. It is a scam, Payment history per my XXXX XXXX XXXX XXXX records : XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$210.00} final payment balance per TD bank statement
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

Experian and XXXX are reporting late payment but different months. Experian is reporting it as a collection but not XXXX and XXXX. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. XXXX, Experian, and XXXX continue to report inaccurate information knowing it to be false.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. I have previously filed several complaints to get this information corrected my name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX Ga XXXX do not stall this complaint by asking for my identification because I have attached it to each complaint and to this one as well. You have proof of my address as well. Delete this incorrect information because anything else listed would be considered identity theft and the address is prevent me from obtaining credit I am rightfully entitled too.
Consumer complaint received 2023-04-03
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. (TX)

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Credit collection services is alleging I owe a debt I do not. I do have any contractual obligation to pay this debt and they sent me no notice of my right to dispute this debt before adding it to my consumer report. They have no court order to collect which is needed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting a collection onto my consumer report that is canceled and should not be reported. When a debt is canceled with the IRS it is reported as income and income can not be reported onto a consumers credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX  reporting of 30 days late payment is still not correct per previously reported on CFPB report # XXXX. Experian claim that they researched and updated my account is incorrect ; My credit report still shows 30 days late for the XXXX XXXX mortgage account.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

RE : XXXX XXXX XXXX XXXX XXXX XXXX Circle, XXXX, Fl. XXXX SPS Account Number # XXXX CFPB Complaint Number : XXXX In reference to the above complaint number SPS states XXXX my Escrow account has always been short. Which is not true. A simple way to see is for SPS to remove all the XXXX XXXX they added onto my account since XXXX. Therefore, I am requesting SPS to provide a Annual Escrow Account Discloser Statement. One the XXXX XXXX is removed we can then go over the numbers that show that at no time I have ever been short on my XXXX Account. The only time I would look like if I am short is due to SPS adding XXXX XXXX. 
That way SPS can show me on the XXXX XXXX XXXX where they seem to think that I am short! Because this is simple math. 
So, lets go over the numbers quick. For example, for XXXX the total taxes are {$2000.00}. Now you take that amount and divide it into XXXX payments, that comes out to {$170.00} per month. Now adding Principal and Interest which is a total of {$560.00}. The total for the month would be {$730.00}. So why would SPS charge me $ XXXX When they should have only been charging me at {$730.00} a difference of {$48.00} per month. According to SPS the total amount for the flood XXXX would have been {$1800.00}. So, if SPS would have only charged me {$730.00} that would have covered the Escrow Payments for the taxes. So if they charged me the extra amount it was due to SPS adding XXXX XXXX. 
So like I said, SPS has to remove all the Flood Insurance that they have added since XXXX so everyone can have a clear pictures of the situation that SPS does not which to return the money, been adding to my account since XXXX. So that we can have a clear understanding of accounting and show SPS once and for all that they are incorrect and to stop beating around the XXXX and refund me those original amounts,
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NM)

For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. 
I demand that this company remove any claims that are on my credit report immediately.
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

XXXX XXXX XXXX has sent me letters saying there is a debt I owe them. I am a current customer and my account is current. They have sent a debt that does not belong to me to collections agencies without providing any evidence. 

I have not been able to resolve this with XXXX XXXX XXXX ; s consumer fraud group. I keep getting bounced around. 

Every couple of months, I will get a new letter from a different collections agency. 

I received one from Radius Global Solutions LLC. 

Reference Number XXXX I would like for these notifications to stop and for XXXX XXXX XXXX to clear this debt that is not for my account. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-04-03
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. (TX)

According to the Fair Credit Act credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. My Equifax report is used by majority of bureaus and wrong information greatly effects me with much higher credit card interest rates, higher home and car insurance premiums, and higher home mortgage interest rates as a consumer. This account has been payed off as of XXXX XXXXXXXX
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX claim that they researched and updated my account is incorrect ; My credit report still shows XXXX  days late for the XXXX XXXX mortgage account.
Consumer complaint received 2019-05-31
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. (HI)

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 in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX 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, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX,
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : CCS Collections Acct # XXXX XXXX : Credit Collection Acct # XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There appears to be XXXX inquiries listed on my credit report, I did not initiate nor am i aware of. XXXX XXXX XXXX XXXX listed 3 times on my credit file with Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023. I am requesting removal of these unauthorize inquiries.
Consumer complaint received 2023-03-30
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. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. XXXX ' Acct # 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 2020-05-21
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. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NY)

On XX/XX/XXXX in that time frame, I received a call from an Ameritech Financial representative, so i can pay off my student loan in small payments of {$82.00} a month. I asked how long would it take for me to pay off my student loan? The representative said 25 years if i pay {$82.00} a month. I had been paying Ameritech through my checking account monthly automatic with drawl. I had been paying for 1 year and 3 months. 
On XX/XX/XXXX, I received a letter in the mail from the Federal Trade Commission that they are suing Ameritech Financial for deceptive practices. They instructed me on what steps to take to cancel the services and ask for refund. I canceled Ameritech on XX/XX/XXXX. I asked for refund and they said i couldn't get money back, because of the agreement i made, but can cancel service and that was it.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is relating to. These accounts XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.