davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (TN)

On XX/XX/XXXX I contacted XXXX because they had contacted an out of state family member saying they were going to put a lien on me ( this person was XXXX unknown last name ) I called XXXX XXXX pm ) and spoke to an individual named XXXX who said he was from commonwealth law firm and very aggressively told me that this was for a XXXX XXXX XXXX from XXXX and as I asked for a validation of debt letter or any communication at all because I advised him I had not received anything in the mail, he said if I send you something in the mail its going to be a summons to court. So I advised that I would look into this and contact him tomorrow ( XX/XX/XXXX ) between XXXX and XXXX pm. I used the time after the phone call to check my credit reports and did not see this anywhere. This creditors name was previously on my credit report but I disputed it in XX/XX/XXXX because again I do not know of this debt. It as removed from my credit report as I assume it could not be validated with them either. So on XX/XX/XXXX I called this number back ( XXXX am ) and spoke to XXXX and again explained that someone called and I wanted a validation of debt letter sent to me according to the fair debt colllection practices act, he then said he would transfer me to who I spoke to yesterday and I said to confirm youre not going to send me a letter with this information. He said we will just take you to court and show you documents then, then transferred me in the middle of talking to a voicemail. ( Since TN is a one party consent state I did record this call ). I believe this to be a scam and even if its not if I did owe a debt from XXXX it would be past the XXXX of limitations, which is 6 years in TN.
Consumer complaint received 2019-05-22
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GMA Investments, LLC (FL)

Ive asked repeatedly that Summit Receivables send me a written mail notification of my debt. They said they will email but not send me any written mail since it takes time they do not have. I told them I can not do anything without a written letter of my debt. They claim the email is enough and by law they dont have to send me anything.
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (MA)

I received a call from XXXX from Central Portfolio Central on Monday, XX/XX/2019 at XXXX and he left me a voice message on my work voice message. I promptly returned the call at XXXX to XXXX / XXXX and spoke with XXXX . XXXX stated their was a {$26000.00} judgement against me and I advised I do not know anything about it. I never received communication regarding the debt or was notifed of a court date. I do not have any past due debt that I'm aware of. I advised XXXX not to call my work number again and he smartly stated I said that three times already and started to laugh. He went on to say they will garnish my wages. I ended the call since I was at work. I called back today to XXXX and left voice message to send me a copy of the judgement against me to my email account. I will fight this judgement since I didn't get a fair chance to attend the court date. This was my very first communication regarding this matter. This is not right, they shouldn't be able to scare you over the phone when you are in the dark and clueless what they are talking about, Sincerely, XXXX XXXX
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

WITH MIDLAND CREDIT THAT IS A THIRD PARTY COMPANY WHO PURCHASES DEBITS OWED THAT HAS NO CONTRACT WITH ME, I HAD A CARD WITH XXXX  AND THERE WAS CHARGES THAT I HADNT MADE AFTER REPORTING THIS DIRECTLY TO THE COMPANY I NOW HAVE XXXX OFF MY CREDIT DUE TO IT WAS RESOLVED I CLOSED MY ACCOUNT AND SOME HOW MIDLAND CREDIT PURCHASED THIS OLD ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY TO EVEN COLLECT THIS AMOUNT, I CLOSED DOWN MY ACCOUNT AFTER THE FRAUD PURCHASES WHERE RESOLVED NOW I HAVE THEM THREATEN TO GARNISH WAGES AND THEY DONT HAVE A CONTRACT WITH MYSELD WHICH HAPPENS TO XXXX XXXX XXXX I WOULD LIKE FOR THEM TO STOP REPORTING ON MY CREDIT AS THE ACCOUNT IS CLOSED DUE TO MY REQUEST AND THE CHARGES HAVE BEING RESOLVED, PLEASE PROVIDE ME WITH A CONTRACT THAT I HAVE WITH YOU AS YOU ARE JUST A THIRD PARTY WHO PURCHASED THIS OLD ACCOUNT THAT HAS BEING CLOSED
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2019-05-22
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-11
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. (TN)

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
Consumer complaint received 2021-03-31
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. (MD)

The credit bureau was sent a letter requesting verification according to FRCA 611 ( method of verification ) of several items on my credit report. You want sufficient proof FCRA procedures were followed and proper steps were taken to verify the dispute as accurate. I have not received the written verification. I would like to see a complete list of all documents and correspondence with. The 15-day window has expired.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.
Consumer complaint received 2019-05-22
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)

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX College and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX  who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to  assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (GA)

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My father and I took out this mortgage loan in XXXX to repair the home. He passed away in XXXX and I now have the loan. On XX/XX/XXXX, I lost my main source of income and was placed on unemployment. I knew by the end of XXXX that I was in trouble and applied for a home loan modification. I was denied and they stated it wasn't due to unemployment and they were unable to create an affordable payment without changing the terms of the loan. I reapplied and they kept asking for my profit and loss statements for my business ( XXXX XXXX two nights a week ) and I sent them. They said I needed to send them again, so I did. They said I needed to send them yet again, and I did. This has been going on since XX/XX/XXXX. I have sent the profit and loss statements multiple times and have copies of every time I sent them. I spoke with a HOPE/XXXX  housing counselor and we did a three way call. My Carrington 'case worker ' said I needed to send the profit and loss statements yet again and hung up on us. The HOPE/XXXX counselor said he's never had that happen. I sent the profit and loss statements again. They asked for them again. I finally spoke to another person and she said she could see where I DID send the profit and loss statements, but they needed to be on one page? In eight months, no one told me this. I sent the profit and loss on one page. Now, they have sent me a denial letter stating my financial hardship was not directly related to unemployment or loss of income. I do have a new job but have taken a serious cut in pay. I am nine months behind on my mortgage due to them repeatedly asking for information I already sent and there is no way I can reinstate the loan. This has had a serious effect on my health and I now have XXXX XXXX XXXX and stomach   issues. I believe they were negligent in how they handled the modification request. I am now looking at foreclosure and becoming homeless.
Consumer complaint received 2019-05-22
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. (GA)

I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.
Consumer complaint received 2019-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

In the beginning of XX/XX/XXXX my Physician informed me that due to XXXX   unresolved medical issues it would be best for me to have a XXXX XXXX  ASAP. I was scheduled for XX/XX/XXXX. 

I had been XXXX ill for almost 2 years and the financial toll was increasing so my Husband and I decided to be proactive with our debts. We placed a call to Penny Mac Loan Services to discuss the possibility of a " short term '' reduction in our Mortgage payment. Our Mortgage was transferred to PennyMac in a repayment plan. At the time of the call our XX/XX/XXXX payment was paid. I called ans spoke to several representatives from Penny Mac about their process in this matter. Their instructions were to fill out a hardship application and NOT PAY XX/XX/XXXX MORTGAGE so that the current repayment plan would deactivate and then they could just redo a similar plan. Because we really did not have a bad experience with our previous lender, XXXX, we trusted the representatives advice. 

The reason that we spoke with 6-10 representatives is because the assigned point of contact for us, XXXX XXXX, never answered or returned our daily calls in the Month of XX/XX/XXXX. In XX/XX/XXXXour previous repayment plan that had us patient XXXX a month instead of XXXX to pay a few months that we were behind with another company. Pennymac returned with an offer of XXXX month for 3 months and then XXXX or more for the final month. 

I had to send in the same paperwork numerous times. I was on XXXX through my employer from XX/XX/XXXX-XX/XX/XXXX when we were given a XXXX monthly repayment plan. We desperately need help to save our home from foreclosure. We have until XX/XX/XXXX. We are currently appealing the denied Modification the we re submitted after being attempting the XXXX monthly payment. 

Sincerely, XXXX XXXX XXXX Pennymac loan number XXXX
Consumer complaint received 2019-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

Company debit my account for $ XXXX on XX/XX/XXXX before my loan was due. Company claimed that the ACH would be refunded in a few business days. I waited 2 weeks before calling again. On XXXX XXXX. The company denied that the funds would be refunded and said I had to wait to hear back from a Manager or I could call corporate myself. Company informed me that my option was to pay off the loan amount, which does not include the $ XXXX ACH, and then receive a refund for the excess amount ( $ XXXX ). I have both conversations recorded. The first where I was told my funds would be refunded, and the second where I was told I had to pay off the loan to receive the refund.