davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (IL)

I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration
Consumer complaint received 2023-05-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC (OH)

This company has been harassing family members that I have nothing to do with and everyone that lives on my street. When I try to call them back at the number they call from, it is never able to connect because it's not a good number. I finally answered today and told them not to call anyone except my phone number and informed them that I am filing XXXX  XXXX Bankruptcy to which he told me I cant legally do that, laughed and said good luck and hung up. I am humiliated that they have left these threatening messages with my neighbors and people with the same last name. They told these people that they will come after them if they don't help the debt collector find me. They also left messages for me threatening to show up to my job and get me fired. One of the many numbers they called from is XXXX.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My deceased husband ( died XX/XX/XXXX ) had a credit card with Bank of America. Upon his death, Bank of America placed the account in my name. 
I have no knowledge of this account. 
I have asked Bank of America for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Bank of America can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Bank of America representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Bank of America felt that my deceased husband 's debt was no mine the answer was always " because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Bank of America. 
Bank of America has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Bank of America . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that " I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help me.
Consumer complaint received 2023-05-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

They have not included the following statement on my report. 
. 
XX/XX/XXXX/account number XXXX. 

They have misrepresented the facts. Only after complaint to CFPB have they been sending regularly the statements to keep me in the loop. This should not be a derogatory mark on my record.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation (OH)

REVENUE RECOVERY CORPORATION XXXX I have a a unverified account fromREVENUE RECOVERY CORP. I had previously disputed this account. I have never done business with REVENUE RECOVERY CORP Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt REVENUE RECOVERY CORP and I believe it is a HIPPA Act violation. I request that REVENUE RECOVERY CORP Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that REVENUE RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
Consumer complaint received 2023-05-08
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. (GA)

I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of XXXX Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late XXXX XXXX, XXXX in XXXX, XXXX ( blank ) then XXXX 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All XXXX ( XXXX, Experian and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. XXXX XXXX XXXX XXXX  Account Number
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (CA)

A credit inquiry from Clarity Services Inc. for XXXX XXXX, XXXX is showing on my XXXX credit report. I have made no credit applications in recent history. The CFPB action against Clarity Services Inc in XXXX does not seem to have been effective in altering their illegal behavior.
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have been paying on this loan for the past 8 years ( since 2009 ) and the balance has actually increased to more than what I borrowed due to the outrageous interest. I have paid more than $ 13k and the loan balance has only risen.
Consumer complaint received 2017-07-30
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. (CA)

Experience is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way
Consumer complaint received 2023-05-08
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)

Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I reached out to the XXXX, XXXX, and Experian regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2016-06-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (AL)

My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.
Consumer complaint received 2023-10-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.
Consumer complaint received 2023-05-08
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 (FL)

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was blocked immediately after I registered for it. I have not yet had the opportunity to use the account for any transactions or activities, so I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I was looking forward to using PayPal for my online transactions and I am disappointed that my account has been suspended without any explanation. I am confident that there has been some mistake or misunderstanding, and I hope that you will take the necessary steps to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

I attended an online school but did not finish. I withdraw from it. I did not receive a loan agreement to how much I will be paying for how long. My loan provider gave me a outstanding balance of XXXX plus which I can not pay long term. XXXX yrs. Which I will be retired with no money broke, by he time I am done. I lie by myself in a high paying rented apartment, with no help. I have a learning XXXX plus anxiety.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, phone numbers, and the erroneous names in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
Consumer complaint received 2023-05-08
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to you today to bring to your attention a serious matter regarding improper credit reporting shown by Experian from XXXX XXXX XXXX XXXX. I have discovered that Experian has marked multiple charge-offs at incorrect dates, and has failed to mark the closed date of my account even after a dispute investigation. This is not fair or accurate under the law, and it is having a derogatory impact on my ability to access credit and other financial services. 

The inaccurate credit reporting shown by Experian from XXXX XXXX XXXX XXXX is causing me significant distress, as it is making it extremely difficult for me to obtain credit cards, a home loan, and even unemployment benefits. Despite having paid and settled and paid on XX/XX/XXXX, multiple charge-offs are still appearing on my payment history, which is affecting my credit score and making it difficult for me to secure credit. The first charge-off should be marked for XX/XX/XXXX and this should be the only marked charge of on the credit report but Experian has not yet fixed this issue even after they request a dispute. 

As a consumer, I am protected by the Fair Credit Reporting Act, which requires that credit reporting agencies provide accurate information about my credit history. The inaccurate information that XXXX XXXX XXXX XXXX is reporting is a clear violation of this law, and it is having a detrimental impact on my financial wellbeing. 

I urge you to investigate this matter and take appropriate action to ensure that Experian is held accountable for their improper credit reporting practices. I also request that my credit report be updated to accurately reflect the payment and settlement of my account, as well as the correct charge-off dates. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2017-09-06
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. (TX)

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX.
Consumer complaint received 2023-05-08
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. (OH)

On XX/XX/XXXX, XXXX reported to Experian that there were missed payments on XXXX of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with XXXX remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with XXXX or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with Experian and XXXX to notify them of this error. Experian suggested that I open a dispute. On XX/XX/XXXX, Experian closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the XXXX representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the Experian dispute is closed. 

On XX/XX/XXXX, I called XXXX to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, XXXX has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.
Consumer complaint received 2024-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I requested the refund amount of the student loan of {$31000.00} on XX/XX/XXXX that I paid on XX/XX/XXXX. Edfinancial processing time is so long, and I called them several times and they didn't give helpful information about the timeframe. Now that the refund amount has been reflected on my account, I am obligated to make monthly payments when I still haven't received my refund checks yet. Please help. I need the refund checks in order to make monthly payments for this student loan. 

Thank you so much for your help!