davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (LA)

i INFORMED THEM THAT THAT WAS NOT ME ... i NEVER OPENED AN ACCOUNT ON 2015 WITH THEM. I AM SHOWING I OWE THEM {$540.00} AND IT SHOWS ACCOUNT STATUS OPEN ... 


THAT IS NOT ME!
Consumer complaint received 2022-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I spoke with several representatives regarding a late payment of 90 days to my account. The first rep advised they would fix the late payment after a dispute letter was mailed in showing where it was reporting. 2nd rep provided the same details and info on consolidation. 
To remedy the issue with them I entered in a Deferment/Forbearance for my student loan. This is the same type of agreement this company, Navient was recently sued for and had judgement awarded, but these are the only options available. I mailed in the dispute letter, however, have not received any written communication yet, but spoke with them. They advised they are declining the retraction of the late payment after advising me they would update and change. They even advised consolidating the loans after the late payment was removed. I am confused why they would advise this, not honor it, and proceed to report the account in various ways on my credit reports. 
My concern is that as a consumer my rights are being violated by the account reporting differently with each major credit bureau. There are many inconsistencies with the account on each bureau including the addition of the late payment. The account shows closed with one bureau, open with another and recently reported as of XX/XX/22. 
As a consumer, my rights are clearly being violated. It is my right to have fair, accurate information reporting on my credit reports. The information Navient is reporting is inaccurate and has been causing harm to me for the past seven months. Please advise on next steps. I really need help resolving this matter. It is hindering me from moving into a place, purchasing a vehicle and so many other important things to survival. 
Thank you!
Consumer complaint received 2019-04-13
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: Commonwealth Financial Systems, Inc. (TX)

. They keep on putting this account on my credit report they called many times, the man was rude and kept on calling after many letters finally they removed from my credit report, and now it's there again .please remove this item. 

To attempt to collect the debt on which the creditor can not show a contract or an underlying basis would violate the Fair Debt Collection Practices Act,. 
Specifically, section of the FDCPA : Unfair practices [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2022-09-22
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)

In accordance with the fair reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Exeter Finance, LLC. (TX)

I sent a cease and desist letter to the debt collector Exeter Finance that was received in their office on XX/XX/2022. They contacted me today, XX/XX/2022, via telephone in regards to the debt and informed me they had received the letter but did not note that it was a cease & desist.
Consumer complaint received 2021-07-07
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: MORTGAGE CLEARING CORPORATION (OK)

I filled a CHAPTER-XXXX  BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " MORTAGE CLEARING CORP '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Consumer complaint received 2021-02-15
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)

Now CFPB, if you have been paying attention thuan my third complaint against Experian within a 30 day period because they refuse to follow the Fair credit reporting act and continued to report unfair, inaccurate, Fraudulent information. 

Experian was notified of the orginal identity theft back in XXXX of 2019, to which they deleted the information off my report but still choose to furnish that negative fraudulent information on my rental history after they had already receive the FTC report, identity theft affidavit and police report that got the account erased in the first place I had no knowledge that Thais was still on my report because I assumed that it woolly be deleted, due to that fact that Experian rent bureaus is a direct extension of Experien Information Services. 

I was recently denied for an apartment due to them reporting this information that has already ready been deemed as fraudulent : I have already been dismissed from the responsiblility of the debt from the original data furnished ( see attached letter ), but they continue to report it and are making it extremely hard and tedious to correct this informations. Last month I filed a complaint about them report it the negative information on my credit report to your company to which they responded that I was not a client so they couldnt respond. I pointed out the facts that they lied because they were responsible for reporting the negative rental history and had my personal information. So if I am not your client nor have I consented for you to furnish this rental history, how is this in compliance. 

Simultaneously Ive sent experience my Police report AGIAN, my Identity theft affidavit, the letter that dismissed me from the responsiblility of the the debt from the ORGINAL. Data furnisher and the prodding that they were reporting fraudulent inaccurate information. 

Instead of removing the debt, they sent me a EMAIL ( which at this point I only want to communicate through mail due to that fact I need to collect evidence because they continue to violate my rights ). In the email they re- requested the information that Ive already provided them through mail, but information they already have in file. This not only prolongs the process, but now me and my XXXX XXXX XXXX daughter are sleeping in car because my lease expired in XXXX. The complete disregard to not only My consumer rights, out my protection provided under the FTC and FCRA as a innocent identity theft victim continues to be violated and abused by these CRIMINALS. I dms and that this company be held responsible for their violation of my Consumers rights and the federal law
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: SANTANDER HOLDINGS USA, INC. (GA)

I received the response from Chrysler Capital and this account was, in fact, discharged in a XXXX XXXX Bankruptcy XX/XX/2021, The notes on my report should read as such. Account discharged in XXXX XXXX bankruptcy. Why is this such a long drawn-out process? XXXX is the only bureau that has not and will not update this information. XXXX XXXX XXXX was notified as well. The Bankruptcy Court did not receive any returned mail or email. How can the response say the account was not included in bankruptcy when I have court documents showing that it was? It's no wonder Santander was sued for deceptive practices. Chrysler Capital is even worse.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

My prepaid debit card with American Express prepaid debit card was funded by my Social Security Income with backpay of XXXX XXXX I was hospitalized from XXXX and during that time there were numerous ATM withdrawals of XXXX $ and XXXX $ at various locations. These were not authorized by me and I don't know who withdrew the money from my account. I already reported it to the bank and they denied my dispute. They want me to request in writing how they reached their conclusion of their investigation.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

XX/XX/21 XXXX Escrow order a payoff from Citadel Servicing in order to facilitate my new refinance. XXXX has sent in 2 faxes requests and e-mail request, confirmation of receipt from followup calls all stated it was in process. When escrow calls they are told it will be 5 to 7 business days, when followed up on XX/XX/21 they were told it would be done by end of business day on XXXX since the request was in process for 10 days. When still not received they were told they did not have the request and to resend on XX/XX/21. Every request has been for payoff to be good for 30 days. I called twice, have requested the same for the past 2 weeks and they finally sent a demand on XX/XX/XXXX at XXXX XXXX the demand was only made good through XXXX ( only good for 1 business day not 30 ) - therefore its no good and title will not process payoff on an expired demand. Citadel is hindering my ability to refinance and I am going to lose the loan I have in process.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (OR)

Goldman Sachs Apple Card Credit card issued by the above entity was randomly closed and no reason for account closure was sent. Payments were made and possibly because a balance remained. It is also possible that my personal phon was compromised in a way that made have multiple characters posing as me. 

Name : XXXX XXXX XXXX XX/XX/1992 Heritage : XXXX Current : XXXX XXXX XXXX XXXX Possible Identity theft. 
My SS XXXX XXXX reported stolen passport XXXX One renewed passport in Texas post office And passport card. 
1 temporary passport issued at foreign embassy.
Consumer complaint received 2021-07-08
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: Law Offices of Robert J. Colclough, III (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my XXXX banking XXXX and I lost my phone number on XXXX, XXXX by the same perpetrator.
Consumer complaint received 2021-08-31
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. (TX)

About XXXX of XXXX  I was a victim of identity theft. My credit was damaged by false information submitted by the perpetrator of identity theft and accepted as true by Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX. Clarity could easily have determined the information they reported was fraud and false but did not properly investigate and gave me a credit rating of XXXX when the other 3 consumer credit bureaus had my scores at XXXX and above. I don't understand why Clarity accepted the fraudulent information given to them by an identity thief using my name, address, phone number ( also gave a false phone number in a different zip code from my address ), email, and possibly social security number. I did a personal investigation and then turned the matter over to the XXXX XXXX, XXXX XXXX XXXX, which still has an ongoing investigation : Case # XXXX. 

There were other instances of fraud against me but my complaint here is against Clarity, who damaged my credit with XXXX, XXXX & XXXX XXXX XXXX. I was able through a lot of effort to recover my credit rating and then placed a freeze on my accounts. I have an account with CFPB that I submitted on behalf of my son 's credit ( XXXX XXXX ) on an entirely different matter. 

I am attaching documents in this matter which were prepared a little over a year ago and are part of a large file. In the interest of economy I am attaching selected documents which I believe are relevant. If needed, I can provide more information.
Consumer complaint received 2021-02-01
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: CITIBANK, N.A. (MN)

On XXXX XX/XX/2020, I purchased a TV ( speakers, mount, cable ) set from Best Buy in XXXX XXXX North Dakota and ask that it be delivered to my house. Before the delivery could happen, I am an elderly woman and I started getting nervous about COVID ( and people in my house ). I called Best Buy and was put on a very lengthy and convoluted hold pattern ... .I eventually talked to someone who was scheduled to be part of the delivery team ( sorry I don't know the name ). He apologized about the customer service line and canceled my order. 

When my next bill came out, I noticed that they had charged me for the TV set that was not delivered. I called. Waited on line forever and was told to write a letter to Best Buy Credit Services. I did. They sent back a letter on XX/XX/2020 saying that they were investigating my claim. When I do talk to someone they say to continue to pay the bill. 

About every week I call and nothing has changed. EXCEPT now they are telling me this is a " new '' case and they have 90 days to resolve it. I have bought a lot of stuff from Best Buy ... ..and have had it delivered. If they delivered this TV I would like to know the names of the people that delivered it. I would like to see my name where I signed for delivery. I would like to have the Sereil number of the TV set. 

It was not delivered and should not be on my bill. If you need to have copies of the receipt or the bill or anything else please contact me. Thank You
Consumer complaint received 2021-02-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This information is on my credit report without the agency having any info or record of the origin of the debt. I contacted Portfolio recovery onXX/XX/XXXX to inquiry about my contact. They didn't have any record of my account, the account number and any information associated with my account. They didn't have any account information associated with this debt on file.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK (FL)

I was looking for small loan about $ XXXX and ask about construction to mortgage loans and what the cost would be. I called XXXX XXXX on XX/XX/2021 and asked about mortgage products and mortgage to construction loan. I gave her my information and told her that I put in my offer on the land the day before. XXXX the lender said that she has no time for her and that she wouldnt approve me at all and then called the listing agent for the lot I submitted an offer on and told the listing agent that they should not sell to me because i could be qualified.
Consumer complaint received 2022-03-11
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022
Consumer complaint received 2020-09-12
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. (FL)

I recently reviewed my credit history and noticed inaccurate accounts and inquires that are not to my knowledge. I did not inquire nor did I authorize any of these businesses to access my information for any reason at all. These are fraud accounts because they weren't my doings by any means. I would to see these accounts removed as possible.
Consumer complaint received 2023-01-30
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : 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 2021-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NC)

I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX. 
I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement. 
Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me. 
I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.
Consumer complaint received 2022-05-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I refinanced my Mortgage with XXXX XXXX XXXXXXXX. After close I was notified that the loan servicer would be XXXX  XXXX XXXX ( XXXX ) and my first payment should be made with them on XX/XX/21. On XX/XX/21 I made a payment of {$1400.00}. I then received a notice that the servicing of my loan would be taken over by Specialized Loan Servicing ( https : //www.sls.net ) starting on XX/XX/21. SLS is now calling me asking me why I have not made my XX/XX/21 payment. I have created an account with SLS on their website and it does not reflect the XX/XX/21 payment I have made through my original servicer ( XXXX XXXX XXXX ).