davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (SC)

Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 a account without my written instructions Delete the late payments please immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-02-15
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. (TX)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate. 

XXXX XXXX XXXX Companies XX/XX/2022 is a duplicate inquiry and I have requested on several times now to have it removed but the company Experian has refused.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

I am writing to formally submit a complaint regarding unfair debt collection practices by Credence Resource Management , LLC. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that your office investigate and intervene to stop these unlawful practices. 

Credence Resource Management , LLC Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Details of the Complaint : Account Information : XXXX XXXX XXXX account # XXXX Amount in Dispute : {$160.00} Date Reported to Credit Bureaus : XX/XX/year> Nature of the Complaint : Lack of Written Notice and Debt Validation : I was never notified in writing about this debt by Credence Resource Management , LLC, as required by the FDCPA. During a recent conversation with their representative, I was informed that no letter was ever sent to me regarding this debt. I have a recording of this conversation where the agent confirmed this failure to send a validation notice. 

According to the FDCPA, debt collectors are required to send a written validation notice within five days of the initial communication. This did not occur.

Violation of FDCPA and FCRA : By reporting this debt without providing me the opportunity to dispute or validate it, Credence Resource Management has violated both the FDCPA and the FCRA.

Under the FCRA, they are required to ensure the accuracy of the information they report to credit bureaus. Reporting this debt without proper validation is a clear violation of this requirement. 
Payment Made in Good Faith : As an act of good faith, I have already paid the amount of {$160.00} to Credence Resource Management , LLC. Despite this payment, the negative mark remains on my credit report. Given the circumstances of their unfair practices and failure to comply with legal requirements, I believe this negative entry should be removed from my credit report.
Consumer complaint received 2016-04-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Myself and my XXXX signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXXXXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, XXXX, and Equifax have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a FTCA report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}
Consumer complaint received 2017-02-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc. (WA)

Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.
Consumer complaint received 2023-05-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (OH)

This debt buying company, XXXX XXXX, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX XXXX dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. 

I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. 

I reached out to this parasite company and told them that I never had a XXXX XXXX and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. 

I have NEVER had a XXXX  XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.
Consumer complaint received 2023-02-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (TX)

DearConsumer fFinance Protection Bureau, This letter is to inform you that Synchrony Bank has illegally and in bad faith submitted a form 1099-C to the Internal Revenue Service ( IRS ) despite being aware that the debt resulted from identity theft. This form 1099-C is an official form used by the IRS to report cancellation of debt and thus should only have been done by first addressing the issue at hand. I have documentation to prove that I became a victim of identity theft, which was the cause of the debt owed. I am making an official complaint and request that the IRS revoke this form 1099-C,
which synchrony filed improperly. I request that Synchrony Bank take steps immediately to prevent this type of malicious behavior from occurring. Furthermore, I ask that Synchrony Bank be held accountable for the financial damage caused by the improper filing of this form.

I would appreciate your consideration in this matter, and if there is anything I can provide to further my case, please do not hesitate to contact me. Thank you for your time and consideration.

The Texas Deceptive Trade Practices Act prohibits debt collectors from submitting false information to the IRS on a Form 1099-C. This protects the consumer by preventing an inaccurate representation of the consumer 's tax liability to the IRS. It also ensures that any action taken by the debt collector is done in a manner that is fair and honest to the consumer, as outlined in the act. In addition, the consumer can take action against the debt collector if any unlawful or deceptive practices were used by the debt collector during the process.
Consumer complaint received 2017-08-23
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. (NY)

XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...
Consumer complaint received 2023-05-07
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-07
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THE CREDIT BUREAUS NEVER DID A PROPER " INVESTIGATION '' ACCORDING TO FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others whom she is acquainted with or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they violated my rights even more. 

In accordance with the Fair Credit Reporting Act EVERYTHING has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This alone is grounds for removal.

They also violated the law because according to 15 U.S.C. 1682 section 602.A States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MO)

We had our car repossessed on XX/XX/XXXX on XXXX. We paid the fee today XX/XX/XXXX, a total {$1300.00}. We then contacted XXXX XXXX XXXX to reclaim the car, a XXXX XXXX XXXX. We tried to file the paperwork online, but they would not allow us. They do not allow walk-in appointments. They have not given us the address. We called their number and were put on hold from XXXX until XXXX XXXX CST. Then the disconnected the call and would not allow us the call back. They did not notify the police when they repossessed the car, which is required by Missouri law. We reported car as stolen and could not file the insurance claim because of the repossession. The entire process has been unprofessional. They did not give us a final notice. The never left messages on our phones if/when they attempted to call.
Consumer complaint received 2023-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MA)

For the past three years I have been calling the bank about my monthly PMI/ MIP ( Private Mortgage Insurance/ Mortgage Insurance Premium ) because it hasn't been coming down. They told me the monthly PMI/MIP is for the entire life of the loan. I have never missed a single payment, and in fact have paid more towards principal when possible. My principal balance is extremely close to falling to 80 % of the original value of my home/original loan amount. ( 79.5 % ) As an additional testament to my responsibility, another mortgage company XXXX XXXX XXXX XXXX ) cancelled my PMI entirely before I even reached 80 % principal to loan value. 

M & T Bank has a poor track record with disclosing fees to their customers. I just received a settlement check ( ~ {$40.00} ) as part of a class-action lawsuit where they charged " pay-by-phone '' fees. Many customers were part of the class-action lawsuit.