davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX this debt showed up on my credit report.It is not mine. Looking at an old report, I see that is was opened with Midland Funding on XX/XX/XXXX in behalf of XXXX XXXX ; so, over eight years ago, I wrote them a letter shortly after requesting they remove it. They assured me, that they would. 
Yet, I receive a letter today from them requesting that I settle for a discount of 10 %. 
This is the second such letter I have received from a collection agency in the last several months. In the first case, the supposed debt was almost seventeen years old!

In California, it is illegal for them to attempt to collect a bent that is older than five years, however collection agencies are doing it anyway. 
I called Midland Collection Agency today, and they told that they would not sue me. Of course they wont, they cant. 
However, what is happening ( and maybe not in this case ) is that collection agencies are selling their paper to other collection agencies, who then change the date on the original delinquency to the date that they receive the paper, thus keeping old and already paid debts on the consumers credit report for much longer than the law allows.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc. (IL)

My name is XXXX XXXX & I am no longer responsible for the debt here shown. 

Company : Midwest Credit & Coll Opened : XX/XX/2021 Amount : {$730.00} Sold/ placed for collections to XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are having a very difficult time with Bank of America [ BofA ].  XXXX XXXX has been applying for a modification since XX/XX/20. Bank of America keeps asking for the same documents every week. They are now also asking for ridiculous questions on the make this process next to impossible for me to get the the underwriter and get a fair review. 

XXXX XXXX is XXXX years old and retired. She stated her income on the RMA as pension and a small SSI income. Pretty simple. BofA of America has done everything they can to make this process in possible and completely dysfunctional. Its is starting to feel like bank fraud on predatory lender on the elderly. 

On XX/XX/20 XXXX XXXX was requested to explain bank transfers. It was explained on the phone it was simply transferring money to a 2nd account to pay bills. Any processor who can read a bank statement can figure that out. XXXX XXXX was required to send in a letter of explanation. 

On XX/XX/20 XXXX XXXX was required to do more explaining on very basic underwriting. 1st question regarding XXXX XXXX income that no longer exists. The 2nd questions regarding a PERSONAL LOAN Balance forward that is clear and explained on the bank statement if a processor took 30 seconds to read. A letter of explanation was sent  that day. 

On XX/XX/20 BofA is now requiring XXXX XXXX to send a letter of dissolution from XXXX XXXX. This is ridiculous. Last week BofA stated because it is self employment income a LOE with end date would solve the question. Now BofA is saying its not. XXXX XXXX was self employed and only received income if she sold the XXXX XXXX products. We're you're self employed you can stop at any time and no documentation is required. What BofA is asking for does not exist. At XXXX XXXX age she is physically unable to do the job as previously explained. This should resolve the issue and move the file to the underwriter.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX  XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # 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 all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to report XXXX XXXX XXXX XXXX XXXX due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/ 2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Consumer complaint received 2022-07-24
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. (NY)

I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but two of the accounts " XXXX '' and XXXX XXXX  are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
If you look at the dates of last activity, the dates across ALL 3 credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL 3 credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL 3 credit bureaus, which violates the law ; if you look at my XXXX  Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

AMEX is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (SC)

I initiated a debit card dispute with Navy Federal Credit Union on XX/XX/2020 related to two charges by a travel agency, XXXX. XXXX has repeatedly lied, broken federal law, and changed their terms and conditions after purchase without notification to us. I have written confirmation from XXXX  that the terms and conditions were different when we purchased. I submitted over a hundred pages of evidence to Navy Federal Credit Union in related to this claim and the illegal activity of XXXX. On XX/XX/2020 I was informed that the claim had been partially decided in the favor of Tripmasters based on their new terms and conditions, which were NOT the terms and conditions that were in place at the time of purchase. We are not beholden to their new terms and conditions due to this, as the terms were different when we purchased our travel package. I have submitted this evidence to Navy Federal. I requested a formal, second look appeal by Navy Federal E-Message as directed by a Navy Federal call center representative on XX/XX/2020. I called back to Navy Federal on XX/XX/2020 and got another call center representative who confirmed the E-Message was received but had not been responded to yet and that the credit given to us would be removed from our account on XX/XX/2020. I expressed concern over this, as XXXX acted illegally and I was concerned that the evidence we submitted had not been properly reviewed. I was advised yet again to send another e-message related to the appeal to ask that the credit not be removed pending review of the evidence. 
The credit was removed anyway, despite the mountain of evidence provided to Navy Federal. I have also not received acknowledgement of my appeal or the review of the evidence. This is causing not only financial strain for my family but emotional distress, especially since our financial institution of over ten years is now aiding and abetting a company in committing illegal actions and are going against Department of Transportation regulations related to the COVID-1XXXX emergency.
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (TX)

Trident Access Management is on my credit report. I had to XXXX the number and it took several days for someone to finally pick up. I did not have a file or reference number because I never received any information about the debt so I did not know I owed. The customer service rep informed me that they sent 2 letters out. One letter was sent 2 years ago and the other 1 year ago. She confirmed it was sent to the wrong address. An address which I have never resided. They have never contacted me by phone or email either. Although she confirmed having the wrong info, they still will not verify the debt and it still remains on my credit report. They said they will not remove it even if I pay although they know I was never contacted about the debt. I believe this is unfair credit reporting when the wrong address was verified to me. It has been 3 weeks since correcting the address and they still have not sent any verification that would give me a chance to dispute.
Consumer complaint received 2020-07-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (TX)

I have been disputing this same charge off auto account with both bureaus ( Experian & XXXX  ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. XXXX  shows {$3500.00} past due while Experian shows {$10000.00}. Just a month ago, Experian showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, XXXX  shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? Experian is showing Date Last Active XX/XX/2019. The balance is also inconsistent, XXXX  is showing {$10000.00} while Experian is showing {$10000.00}. XXXX  doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. Experian alsways tells me the account is updated as verified and XXXX  never sends me a response except for a darn credit report and its getting really frustrating.
Consumer complaint received 2022-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (AZ)

According to American Express, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully changed the mailing address on my American Express account ending in XXXX on 5 different occasions since XX/XX/2020. These address changes were executed without my authorization and outside of my knowledge. Account statement including sensitive information about my identity and financial account were sent to an address starting with XXXX XXXX XXXX ( the rest of the address was redacted ) on 5 occasions during the past 90 days causing me harm and costing me countless hours of work trying to remedy the issue with both XXXX and American Express to no avail. The unauthorized address changes keep happening. For the record, XXXX is a debt collection company, however, my American Express account is current and not in arrears so the the reason why XXXX has access to my account is unknown.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I did not receive a statement notification via email from my mortgage company, Freedom Mortgage for XXXX ( due XX/XX/XXXX ) so I logged into my account online to see if I could view it there and was unable to. It only showed statement through XXXX. So I called them on XX/XX/XXXX to find out why I couldn't view my statement. I was told there was a problem with how my XXXX payment was posted and that's why no statement was generated for XXXX. That made no sense to me. I would think that my mortgage statement for XXXX would still generate and show either a missed payment or misapplied payment. The rep I spoke to told me she fixed the problem and I should be able to view my XXXX statement by the next business day - XX/XX/XXXX. On the XXXX I still could not view the XXXX statement and sent a message to the company via the website letting them know I would file a complaint if I could not view my statement by today. As of today, XX/XX/XXXX, I still can not view the XXXX statement online AND the company assessed me a late fee of {$48.00}! I went ahead and made my XXXX payment {$1400.00} online today and did not pay the late fee since I don't feel I owe that. I have held a mortgage with Freedom for 6 years and never missed a payment or made a payment late or been unable to receive or view my monthly statement. I don't know why they are unable to resolve a simple request for a statement and fix whatever problem they caused by not applying my XXXX payment correctly. The rep I spoke to didn't fix the problem. Also, when I called in on XX/XX/XXXX, I made a request electronically to provide feedback after the call. When the call ended the company called me and indicated I should press 1 to give feedback When I tried to do so, it disconnected. This is horrible customer service!