davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Advantage LNS Inc. (NC)

I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding inaccurate credit reporting to the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). Despite making timely payments on my XXXX XXXX  account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/year> on XXXX, XXXX, and Experian 60 Days Late : XX/XX/year> on XXXX, XXXX, and Experian These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with XXXX XXXX, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with XXXX XXXX.
Consumer complaint received 2024-08-31
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 at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-02-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment
Consumer complaint received 2024-08-31
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

In XXXX 2016 I applied for income based repayment specifically Pay As You Earn on loans entering repayment through my provider Nelnet. After 20 days I called and asked about the status they stated that I did n't submit XXXX forms of proof of income which is not stated on the application for income based repayment. She told me that she would put the loans into forbearance for me so that nothing would be due until XX/XX/XXXX giving them enough time to process the application. In XXXX 2016 I receive a statement for several thousand dollars. I called Nelnet once again and was told that half of my loans do not qualify for XXXX and would be placed on a different income based repayment plan. Again she said she would put an administrative forbearance on my account so that nothing would be due until XX/XX/XXXX giving them time to process a second application that I was told to submit. She stated that my first bill would be due in XX/XX/XXXX for {$200.00}. Last Friday XX/XX/XXXX I received a call from Nelnet 's collection department telling me that I was a month past due on a nearly {$5000.00} bill. I explained everything I had been told in the past and pulled up a recent statement I had gotten that said payment was n't due until XX/XX/XXXX. She placed me on hold for 10 minutes and then returned saying that the reason I had a bill was because I had n't renewed my income based repayment plan. I explained that it had n't even been a year since I graduated and my grace period ended in XX/XX/XXXX. She was confused and put me on hold a second time for 10 minutes to speak to a supervisor. When she returned she told me that there were several notes on my account and she needed them to be processed and she had passed on my account to her supervisor. I confirmed with her that I was on forbearance until XX/XX/XXXX and that I would n't be paying {$5000.00} monthly. She confirmed that was the case. Prior to speaking with this particular agent I did some research myself to see why some of my loans were not eligible for PAYE as well as finding out if I could switch providers considering my troubles with Nelnet. In that research I discovered that if I consolidated my loans they would all be eligible for PAYE and I could switch to a different servicer. I 'm at a loss for why Nelnet had not previously discussed this option with me as they are tasked by the Department of Education with providing basic services such as loan counseling. I 'm also at a loss to describe the anger that I have since my loans have continued to accumulate interest due to Nelnet 's lack of communication and untimely processing of applications.
Consumer complaint received 2016-02-28
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Onity Group Inc. (NC)

Servicer is maintaining a foreclosure wherein its predecessor servicing company prematurely appointed substitute trustees XXXX XXXX and XXXX XXXX as trustees to bring a foreclosure action. Once appointed, XXXX XXXX nor XXXX XXXX notified me in writing that I owed the creditor money and neither notified me in writing that I had the right to dispute the debt, and never noticed me or my spouse that they petitioned the court for a foreclosure. The immediate day after being appointed substitute trustee, an attorney by the name of XXXX XXXX filed a petition to the XXXX XXXX XXXX XXXX XXXX XXXX for foreclosure for either XXXX XXXX or XXXX XXXX, but the petition does not clarify which alleged substitute trustee that Counsel XXXX was seeking foreclosure. Neither XXXX XXXX or XXXX XXXX petitioned the court individually or jointly seeking foreclosure on behalf of the alleged creditor. Neither alleged substitute trustee filed any documents in the court pertaining to the foreclosure until XXXX XXXX, 2011 and that sole filing was a notice of sale. It is an undisputed fact based on the court record that XXXX XXXX nor XXXX XXXX provided proper notices required under FDCPA and XXXX prior to XXXX XXXX filing his notice of sale, which was his first point of contact with the myself or my wife. To date, even knowing of the blatant violation of FDCPA law, the servicer is still attempting to sale the property despite the defects in the foreclosure process. The absolute only time that either XXXX XXXX or XXXX XXXX appeared in the matter, or noticed us of anything was when XXXX XXXX filed his notice of sale. There are upwards of XXXX defects in the foreclosure process that Ocwen is and has continued to ignore. We ask that Ocwen provides information to support that its substitute trustees XXXX XXXX and or XXXX XXXX has ever contacted us before XXXX XXXX filed his notice of sale. These defects deprived us of our right to put on a defense.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Couch Conville & Blitt LLC (LA)

local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

Per the previous response to the CFPB, Experian agreed to remove all unverifible names from my credit report, to include any item not subject to correct information. In order to continue supporting corporate injustice, they have still refused to remove unauthorized names. Experian operates a service that verifies names and social security numbers, and after certified letters, and complaints through the CFPB, they have refused to remove the unverifiable name. In the operating of that for sale product, they are within the capacity to correct this information. No creditor, or lender or any other entity has the ability to create a name that is n't verifiable through name, social security number verification. My complaint is that in their response they agreed to remove the name that is n't verifiable to my social security number, but to allow unauthorized entries on my report, to include a lot of unauthorized inquiries, they have failed to do this. This practice is common, experian which i can prove, stated that they verified XXXX individual items with the creditors and refuse to remove, until i as a consumer threaten the lenders directly and they all were removed. The game around the statue, is when the consumer disputes online, they refuse to investigage after one dispute, but if the consumer writes they state that they do, but actually do n't. Experian dispute process is outside of the united states, and therefore ca n't be truly a dispute process. 

Experian XXXX XXXXName : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As : XXXX-This is the name not verifiable with social security number, deliberately by the social security administration. 
- XXXX XXXX
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After 3 hours of XXXX communications with XXXX different TransUnion " Consumer Fraud Special Agents '' I am at wits end trying to understand how any parent in Virginia can possibly have the required documentation to enable a minor 's credit freeze. I am attempting to freeze the credit file of XXXX of my minor children.The following block of information details the elusive documentation in question : XXXX of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual : - Court Order- Power of Attorney ( not applicable for NY or TX residents ) - Written, Notarized and Signed Description of Authority ( not applicable for VA residents ) ; I have birth certificates, SSN cards, passports, other forms of identification, adoption decrees, and bills verifying my VA address, but what parent has any of the above listed " Proof of Authority ''? 

The XXXX issue I had was with the attempted extortion of fees for the free service. The XXXX XXXX TransUnion representatives tried to collect {$10.00} to process the lock. The XXXX representative was the XXXX to acknowledge that the lock should be free. I have rejection documents claiming I submitted the documents, but failed to pay the {$10.00} fee. The site states : {$10.00} ( Medically incapacitated AND not a victim of ID theft ) Free ( Minor under age of XXXX OR medically incapacitated AND a victim of ID theft ) Boolean logic evaluates ANDs before ORs, thus it is free for minors under XXXX.
Consumer complaint received 2024-08-09
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. (CA)

Recently I did an investigation on my XXXX XXXX  which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a XXXX XXXX XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the XXXX XXXX XXXX shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a XXXX of identity theft.
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with Portfolio Recovery Ass. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MN)

I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per month.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NJ)

I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.