davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONAL ASSET MORTGAGE, LLC (IN)

On XX/XX/XXXX, I was served with a summons to respond to a complaint for forfeiture from XXXX XXXX XXXX XXXX ( Case number XXXX ). XXXX claims that I owe over {$15000.00} for entering into a land contract that has become delinquent due to non payment. 

I have never had any communication with this company. They included a paper trail of quit claim deeds that show how they came to hold the debt, but none of the companies save the first lender has ever made contact with me. I was not notified of the debt being purchased by XXXX XXXX XXXX XXXX, so I had no chance to remedy any default until this notice calling for forfeiture. 

In XX/XX/XXXX, I entered into a contract with National Asset Mortgage LLC. I was notified in XX/XX/XXXX that the loan would be serviced by a different company, XXXX XXXX XXXX. I would continue to pay the same amount monthly, but I needed to send the payments to the new address. I continued to pay XXXX XXXX XXXX about {$370.00} per month to satisfy the conditions of the contract. 

After being served with the summons, I contacted XXXX XXXX XXXX to ask where my payments were going because every check I had sent had been cashed. I was not given any assistance beyond the fact that my debt had indeed been sold to a different company and I would need to contact XXXX to discuss the debt.
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (PA)

Resurgent ( LVNV ) is contacting my cell phone repeatedly without leaving a message and using different phone numbers to collect a debt. They should not be calling my cell phone to collect a debt. I tried to tell the lady to stop calling me but she disconnected so i was not able to tell her personally but she called on my home phone for this call. I want the calls to stop on my cell phone.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 3 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 XXXX and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage services was transferred from XXXX to Mr Cooper, according to RESPA section 6 Mr Cooper must send Welcome Letter within 15 days eq loan number phones and address unfortunately didnt happened make the situation worst they supposedly to transfer my autopay info that I was paying for 8 years without late fee I called them today XX/XX/2019 they had nothing setup and I had to call 10 times and after getting trough I had to wait 24 minutes to talk a person that didnt know nothing about guidelines nor servicing the loan, In 4 days my payment is due and she trying to charge me late fee I being using autopay on XXXX of each day and there is 15 days grace period to pay my mortgage, It seems Mr Cooper involved in fraudulent activities by trying charge late fee and other fee and maybe causing to miss payments and charge others fee.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.
Consumer complaint received 2019-02-17
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. (NC)

On XX/XX/2017 XXXX XXXX XXXX inquired on my credit. 
I have tried to contact them to send me the file inquiry.to me. 
No response
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-02-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CO)

In XXXX of 2022, I was approved for a loan modification after exiting the COVID-19 special forbearance. With the assistance of the CFPB and VA mortgage helpline, XXXX XXXX XXXX offered a loan modification. Some of the terms of the modification were that XXXX would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, XXXX, and now Shellpoint has refused to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet XXXX continues to refuse to offer an efficient and modern way to pay my mortgage. 
In XXXX 2022, servicing of my loan was transferred to Shellpoint. When the loan was transferred, XXXX failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in Shellpoint calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a law firm threatening foreclosure, despite the fact that I had requested Shellpoint and XXXX update the data regarding my mortgage in their respective systems, and that I am currently undergoing the loss mitigation process with Shellpoint. 
I have received and returned loss mitigation documents to Shellpoint. In these documents, I explained that the past due balance was due to XXXX failing to provide the proper documentation upon transfer of the loan. I also enclosed a home inspection report that listed several defects with the the home that affect its habitability and marketability and stated that I had plans to sell the home in the near future, but would need to convince the builder, XXXX XXXX XXXX to fix those defects first. An SPOC person at Shellpoint, XXXX XXXX, requested information that is not required per the documents I had received but did not comment on the other issues I had raised. She requested two months of bank statements, which because of the fact that I am on VA and SSDI are not required, as well as information which I had already provided in the loss mitigation packet regarding my desire to sell the house. In previous emails to XXXX, I had also explained the situation with XXXX not providing proper documentation, and encouraged her to contact my assigned loan technician at the VA, XXXX XXXX. To the best of my knowledge she never did, and those emails were not replied to.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Someone open a XXXX and XXXX  accounts in my name. And experian let someone pay for a monthly subscription in my name with my information. There are phone numbers and addresses I have never had.
Consumer complaint received 2019-05-16
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. (UT)

XXXX XXXX account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (OK)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I've tried numerous times to get items removed from my credit report such as inquires i don't recognize and charged off accounts that were paid in full. ive asked the credit bureau for an accurate report of my account and nothing has ever changed.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (LA)

I reached out to this company last year stating I never received a package from a company. I follow up with XXXX who confirmed that the tracking number the company provided was for a different address and it could been the right one. I also provided pictures of me emailing the company with no response. More pictures of other people putting the company on blast for sending out fake tracking numbers and not providing product. The company has never resolved this issue. And on my account its showing missing payments for a product I been emailing the company about I never received. This has been on going for two years and it hasnt been resolved
Consumer complaint received 2023-02-08
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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 2023-02-08
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: EQUIFAX, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$31000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$320.00}
Consumer complaint received 2023-02-08
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. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Good day! My PayPal account is Permanently limited without valid reason and proof, now I can't use my PayPal account to withdraw and for my online job, this happened XXXX XXXX XXXX XXXX. I hope you can help me to remove the permanent limited of my account. Thank you so much!
Consumer complaint received 2023-02-08
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
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)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.