davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am seeking this action based on my rights under the Fair Credit Reporting Act ( FCRA ), as detailed below : Privacy Violation : As per 15 U.S.C. 1681 ( Section 602A ), I have the right to privacy regarding my credit information. The continued reporting of certain entries may be a violation of my privacy rights.

Furnishing Accounts : According to 15 U.S.C. 1681 ( Section 604A, Section 2 ), a consumer reporting agency can not furnish information about my account without my written instructions. I have not provided such instructions for the disputed entries.

Limitations on Adverse Information : Under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse items of information, except for records of convictions of crimes, if they are more than seven years old. The late payments and other adverse information in question exceed this timeframe.

Accuracy of Information : As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The entries in question may be inaccurate or outdated.

Bankruptcy Removal : Under the FCRA, Section 605 ( a ) ( 1 ), bankruptcy records are allowed to remain on a credit report for up to 10 years. However, given my request for early removal, I urge you to review the specifics of my case and consider this request based on [ provide reason, e.g., evidence of improved financial standing or a dispute over the accuracy of the information ].

Please find attached copies of the relevant documents supporting my request, including : A copy of my credit report highlighting the entries in question.

Any relevant correspondence or proof of payment improvements.

I request that you investigate this matter and update my credit report accordingly. If the information can not be verified or is deemed inaccurate, I expect it to be promptly removed in accordance with my rights under the FCRA.

Please notify me of the results of your investigation and any actions taken regarding my request. I appreciate your prompt attention to this matter.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC (CA)

I closed on my house in XX/XX/year> my service provider was SERVICEMAC, i have made XXXX payments with amount of XXXX $ and XXXX $ principle Only which totals of XXXX $ and my next DUE date was on XX/XX/year> and i do have statement From SERVICEMAC which describes exactly what i have paid and when is my next due date! 
i recieved a letter from Servicemac stating that my New mortgage company will be XXXX  mortgage starting XX/XX/year>, and they will not accept any payments made after XX/XX/XXXX. ( my last payment was on XX/XX/XXXX to servicemac ) so upon recieving my statement from my new mortgage servicer which is XXXX  the statement shows i still owe them full amount of the mortgage and there was no payments transferred to them and My new Due date is XXXX first and i am already late on my payment BTW ( IM RECIEVING THIS INFORMATION ON XX/XX/XXXX ) in Mail. I Have called 5 times to my former service provider explaining the issue that my payments are missing with the new service provider and they have transfer the fund to them so they can apply to my loan and they are keep saying they have already transferred the fund to shellpoint, and i have called over 6 times XXXX mortgage company and spoke to XXXX Different supervisor and they all saying there is NO PAYMENTS TRANSFERRED TO THEM AND I AM ALREADY PAST DUE ON MY PAYMENT! 

at the end of the day i have been on phone calls for the last XXXX days going back and forth, And my XXXX $ IS missing in between the transfered which has nothing to do with me and NOBODY IS TAKING RESPONSIBILITY THEY KEEP BLAMING THE OTHER COMPANY
Consumer complaint received 2024-10-18
Product: Credit reporting 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)

Recently I looked a copy of my credit report and notice 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal complaint against Portfolio Recovery : Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Collection Information Dear Consumer Financial Protection Bureau, I have reviewed my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), and I have not found any prior notification of this debt before it appeared on my credit report as a collection. According to the Fair Debt Collection Practices Act ( FDCPA ), section 809 ( a ), collection agencies are required to provide written notice of the debt within five days of the initial communication. Since I have not received any written communication from your agency, I am disputing this collection account. 

I am writing to file a formal complaint against Recovery Portfolio for egregious violations of my consumer rights as protected by the Consumer Protection Act. Portfolio Recovery placed a collection on my consumer file without issuing requisite notice and without notifying me of disputing this alleged debt.

I, hereby, declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights, according to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased may be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from all of my credit reports. 

The date on your consumer report indicating that I opened an account with Portfolio Recovery is blankly false. I never received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. I am disputing owing any and all debts to Portfolio Recovery. This information tarnishes my credit history and infringes upon my consumer rights. 

I am requesting debt validation. The purchase agreement between Portfolio Recovery and XXXX XXXX. I am also requesting proof that Portfolio Recovery is licensed and bonded. 

If any actions by Portfolio Recovery constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( I ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX ( XXXX ) ( a ), I am formally demanding the swift deletion of this collection from my credit report and I trust the Consumer Financial Protection Bureau XXXX XXXX investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention regarding this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-04-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Bank of America and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Bank of America told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Bank of America ( on that same day ) with the report number.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (FL)

To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau. 
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX. 
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home. 
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process. 
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence. 
Our mortgage is a FHA fixed with interest rate of 8.5 %.
Consumer complaint received 2015-05-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. 

Thank you.
Consumer complaint received 2024-11-25
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. (CA)

On XXXX I wrote to XXXX XXXX XXXX and I told them I wanted to opt out and to remove any authorization I gave them, but I got no response to my request.
Consumer complaint received 2024-11-25
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. (LA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NAM National Arbitration and Mediation (MI)

Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband, XXXX XXXX. He told me he would be coming to my house tomorrow, XXXX XXXX, between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home, that my husband would be facing legal fines. He did not leave a company name and he did not give the mini-miranda about trying to collect a debt. He did leave a case number and docket number. He also left the phone number of the company he is working for. Of course now I 'm freaking out because I 'm worried that the police are going to come to my house and take my husband in front of our kids ( he would actually be at work during the time of this scheduled visit ). 

I did a little research and found out the company is called ADR. When I called the number back the system told me they were called XXXX. I went through my voice mails and found out they had called me in XXXX telling me there was a complaint filed under my husband 's name and SS # for fraud. When I received this call in XXXX I called them back and asked for number to be removed from their records. Of course they called again. They 've also called my parents with the same scare tactics. 

I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue, ca n't threaten arrest, ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I, please do! 

Thank so much, XXXX XXXX
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (IL)

An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!