davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern about the ongoing issue of expired debt still showing on my credit report and being harassed by collection companies. I am a responsible individual who has always made timely payments on my debts, but I am being penalized for something that is beyond my control. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that negative information must be removed from a consumer 's credit report after 7 years. However, I have noticed that several accounts that are over 7 years old are still showing on my credit report, which is negatively impacting my credit score. 

Furthermore, I have repeatedly asked the collection companies to stop their harassing phone calls and letters. Despite my efforts, they continue to harass me. Additionally, I have written to all three credit bureaus 4 times, but I have only received one response indicating that it appears as though I am working with a credit company. This is not the case, and I am unsure how this response is even relevant to my complaint. 

This situation is not only frustrating, but it is also unfair. I believe that collection companies should be held accountable for their actions, especially when they are violating the law. I urge the Consumer Financial Protection Bureau to take action against these companies and ensure that they are abiding by the rules set forth by the FCRA. and delete these negative expired items right now. 

Account XXXX XXXX XXXX from XXXX XXXX  XXXX from XXXX company XXXX XXXX XXXX was sold to. they are harassing me and i don't like it. 
XXXX XXXX XXXX XXXXXXXX from XXXX In conclusion, I would appreciate any assistance you can provide in resolving this matter. I look forward to hearing from you soon. 

4 credit bureaus letters sent to all 3 bureaus on the dates below and no response at all... reading your website that is not allowed am i reading this correctly? 
. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

hi My name is XXXX XXXX XXXX XXXX. 

I purchased the prepaid service for my daughter that is " gizmo watch '' and I paid XXXX dollars for that and service for that month which was XXXX total. my daughter stope wearing that watch. i thought i didn't have to pay anything, then the version gives my name for debt collector I.C System and i paid XXXX $ that the service they ever provided to me and I never used. Believe that is really wrong and I need the justice.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE CONTACTED XXXX XXXX XXXX XXXXXXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.
Consumer complaint received 2022-06-28
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-13
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. (SC)

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 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- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON XXXX, XXXX, AND EXPERIAN.
Consumer complaint received 2022-03-06
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. (MI)

Transunion is claiming to have verified on XX/XX/2022 an item on my credit report. The problem with this claim is that upon them providing me with the contact information for the furnisher of the item ( which is XXXX XXXX ) I reached out to them directly. 

Upon reaching out to XXXX XXXX they confirmed that they have removed the item in question in compliance with the FCRA 15 U.S.C. S 1681 et seq. Due to their lack of being able to verify this item. 

Which would then make Transunions statement about verifying the item false and the reporting of the item illegal. But to be sure I was accurate in my efforts I also reached out to the party that Transunion is claiming to sometimes received information from which is the Bankruptcy Court. They to have confirmed that they do not communicate with the bureaus and have NOT verified anything. 

So it seems there is an issue with the reporting of the item XXXX XXXX XXXX MICHIGAN on my credit report as neither of the parties that Transunion claims to furnish this data agrees with their statement of verification.
Consumer complaint received 2022-03-06
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. (NC)

My name is XXXX XXXX I have submitted disputes to XXXX, XXXX, and Equifax in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

Starting in XX/XX/2022 I have been reaching out to mohela to find out how my application was going. I sent inmy new application for pslf per mohela request when they took over my student loans. They sent back an auto reply that stated to give them 90 days to process applications because they were being inundated. Since then I have sent 7 messages. I have been unable to get a hold of a customer service rep and when I finally did yesterday they told me they have never received my application and that since they hadn't I no longer qualify for the limited pslf waiver. They then decided to transfer me to a manager because I stated why would I be calling and sending multiple messages if I never sent an application? I held on the phone for an hour and a half with no answer, just holding music. This is just XXXX problem I'm having with them. I have multiple, but they only reply with auto reply on the secure messaging that is not helpful. They have made it too difficult to contact them and my loans are being grossly mismanaged. At this point I don't know if I need to get legal representation. All my messages are secure on my site and it is obvious I have been reaching out for months to try and figure out where my application is, why my eligible payments aren't rolling over and also I submitted a decrease in working hours and requested they change my monthly payments based on this. None of this has even been addresses. This is a horrible company and XXXX begging for help. I'm a XXXX XXXX who has worked through the pandemic with covid in XXXX XXXX patients. I have worked for the same company that is non profit for 12 years. I am the poster child for pslf program. Please help me. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never before ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I do called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!
Consumer complaint received 2022-12-29
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-09-23
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)

All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received notice that you verified certain items on my credit report from the following companies. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX bank Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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. 
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2022-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (CA)

I sent my girlfriend XXXX on XX/XX/XXXX trough zelle and she never received it and the bank and zelle told her it was sent. Transaction number is XXXX I would like to know where and to whom they sent my money
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

Hello, I have been trying to get {$20000.00} refunded to my account from Aidvantage since XX/XX/XXXX in the morning. I have stated that I wanted to have all my covid payments refunded to me that I made after XX/XX/XXXX. The representative that picked up put a refund request in and stated that it would take 6-8 weeks. 
After a month of not seeing any movement in my account or got no updates regarding the process, I called back on XX/XX/XXXX. The representative looked into my refund process and noticed that they have not done anything with it since the representative did not add the amount for the refund. This means the refund request was not being processed for a whole month and left unfinished. So the representative added in the request with the amount I requested which was {$20000.00} dollars. The representative told me to check up by calling periodically to track my request. 
After this call, I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got the same types of answers with no one knowing the XXXX and telling me XXXX weeks compared to the first time they mentioned XXXX weeks. There was no transparency about the process and I was left hoping that everything will be done correctly. 
Now on XX/XX/XXXX, I finally noticed that my balance on my loan changed and I saw that {$10000.00} on my account. This was only half of what I asked for. I was missing {$9900.00} on my account. Also I was charged {$170.00} dollars on this day by advantage and it was taken out of my XXXX XXXX 
I called back after the holidays on XX/XX/XXXX after I received the direct deposit of {$10000.00}. They did not pick up and dropped my call several times. It seems they only refunded me what was the easiest to calculate and I still have a lot of payments which are not refunded made after XX/XX/XXXX ( Account history attached to this compliant ).
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC (PA)

I paid off this vehicle back on XX/XX/2022. There was an overpayment of {$140.00}. Refund has still not been issued despite contacting the loan company and giving them my checking account information XXXX times. The last call was made on XX/XX/2022. They unable to give me an answer as to when my refund will be issued. Previous phone calls I made I was always given an excuse either they need my checking account information or their supervisor is in the hospital.