davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

My family, and our neighbors, have received repeated calls from a collection agency ( I think it is Pioneer Credit Recovery ) whose number they gave for call back is XXXX. However, the last number I received a call from is XXXX. Apparently they are trying to collect a student load debt from a gentleman in our neighborhood and have resorted to calling this man 's neighbors about the debt and asking us if we can get a message through to that owes the debt. They have even gotten the cell phone numbers for my family members including my XXXX year old daughter and XXXX of my sons. They called my son at XXXX Mountain time this week and he told then to contact me. They did contact me at XXXX and I proceeded to tell the woman that what she was doing is harassment and that the man 's neighbors have nothing to do with the man 's debt and no responsibility to help them collect that debt. Even more so, I think it is totally inappropriate for them to be letting the man 's neighbors know that he has uncollected debt! I asked the woman to take us off of her list and hopefully they will do so but wanted to alert you of these harassing practices. Thanks,
Consumer complaint received 2017-06-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (CO)

I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed  is Midwest Recovery. Listing   XXXX   XXXX   XXXX  ( there are no locations in Colorado  ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from  XXXX   XXXX . Second red flag. I have not used my previous name since late  XXXX . Which means this collection is older then  XXXX  and was most likely part of my bankruptcy filed and discharged under my former name in  XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

After sending repeated correspondences to a creditor called ERC to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.
Consumer complaint received 2024-09-19
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. (NJ)

I am writing to express concerns regarding the verification practices of the XXXX major credit bureaus : XXXX, XXXX, and Experian. I believe that my consumer rights have been violated in the course of my attempts to dispute inaccurate information on my credit report. 

On XX/XX/year>, I sent notarized affidavits to all three credit bureaus requesting that they provide detailed information regarding the verification methods used to substantiate the accounts listed on my credit report. Unfortunately, despite repeated requests, I have yet to receive any substantive evidence to support the accuracy of these accounts. 

I have sent a total of XXXX affidavits to each credit bureau, all of which were sent by certified mail and included a notarized signature. Each affidavit specifically requested proof of verification sent to my address for the disputed accounts. However, the only response I have received is a generic statement affirming the accuracy of the accounts without providing any supporting documentation. 

I believe that the credit bureaus ' failure to provide adequate verification for the disputed accounts constitutes a violation of my consumer rights. I am requesting an investigation into this matter and take appropriate action to hold the credit bureaus accountable for their practices. 


Timeline of Events : XX/XX/year> : Sent initial affidavits to XXXX, XXXX, and Experian. 
XX/XX/year> : Sent second affidavits to Experian and XXXX. 
XX/XX/year> : Sent second affidavit to XXXX. 
XX/XX/year> : Sent third affidavits to all three credit bureaus. 

As of XX/XX/year>, I have yet to receive any substantive response from the credit bureaus regarding my requests for verification. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2021-06-10
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX  credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.
Consumer complaint received 2021-06-10
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. (OH)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX ACC BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-06-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (GA)

The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Hello, this is  XXXX   XXXX  and I had a concern regarding Macys placin g a thirty  day late on my account in  XXXX  of   XXXX  . I was not supposed to be reported for this late, according to a manager i spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen t o Macys.  I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Consumer complaint received 2017-06-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (NC)

After doing extensive research, I found that Wells Fargo was hit with a lawsuit in XXXX regarding misleading borrowers and ordered to pay the CFPB {$3.00} XXXX. When they decided to make an exit from the student loan business, they sold many of their loans over to XXXX XXXX ( but not all ). I have found hundreds of people whose loans were completely dismissed and marked as paid in full. Im not sure how they decided whose loans to dismiss and whose to sell but that seems completely unfair to continue to make certain parties still pay. XXXX XXXX did not offer any type of relief and honors the guidelines set by Wells Fargo. I would like to know why some loans were dismissed but not all. 

My loans with Wells Fargo were taken out between XXXX and XXXX.
Consumer complaint received 2024-08-31
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

The credit cards of TJX reward Master Cards, its mother bank Synchrony, and PayPal related to Synchrony, and I have issues from the beginning of this year, XXXX. Recently, I received a credit card which I never asked from this TJX Reward Master Cards/Synchrony. Therefore, I cut it and reported to the several organizations with picture. The cut card is kept at hand as my reward for my future reference to remind what happened from XXXX to XXXX so far. The PayPal lost the transaction record before the end of XXXX of XXXX. I am waiting the copy of transaction history from the customer service via email which should be sent until the end of today, XX/XX/XXXX. All of these three companies related to the issue of refund check on my missing amount. I am waiting the explanation while the credit card was cut. Today, I received the email from Synchrony which asked me to log in. The web account of TJX reward card was hacked or mismanaged by the company ; therefore, there is no content at all to check. I do not have the account with Synchrony ; therefore, I can not understand what account the email is intended. Since I do not have account with Synchrony and TJX reward card account was hacked and disappeared, I considered the email was scam which was sent to harass me by somebody who created these emails Synchrony Bank www.synchronybank.com Visit site RE : Documents Enclosed XXXX / XXXX XXXX www.synchronybank.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX Dear Valued Customer, You have a new message waiting for you in the Secure Message Center. 

To view our response : Log in to your account. 
Select Contact Us/My Messages Thank you for using our website. 


ABOUT THIS MESSAGE : This is an auto-generated email. 
PLEASE DO NOT REPLY TO THIS EMAIL. 

To send us a secure message about your account, please visit the Online Message Center.
Consumer complaint received 2017-06-01
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: World Acceptance Corporation (TX)

While reviewing a recent copy of my [   XXXX   ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquirie  s on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I made a complaint against this company on or about  XXXX   XXXX ,  2017  with regard to my  XXXX  bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on  XXXX   XXXX ,  2017 , I sent a letter to the FCC,  XXXX   XXXX  as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her.   Thereafter, I was in contact with someone from  XXXX  Headquaters via email and telephone to advise her tha t Convergent  has not called me to rectify this debt. When the  XXXX   XXXX  called  Convergent,  they lied stating that they have called me and left me several messages which they had not. I forwarded the  XXXX   XXXX  my call logs as well as voicemails. Thereafter, after approximately  2 w eeks of back and forth with the  XXXX   XXXX  I requested if I could pay my debt directly through  XXXX , which I did on  XXXX   XXXX ,  2017 .   Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on  XXXX   XXXX ,    2017  when they knew and had knowledge of the fact that I was calling them to rectify this matter.   I would like to information on how to sue this company.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

The aforementioned credit agency representing   XXXX   XXXX   has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If  Receivable Mgmt Group  does not have any documentation, they need to remove this from my credit file immediately.