davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

Did a dispute through the 3 credit reporting agencies, came back verified. I then contacted the furnisher by telephone who advised me they did not have any accounts in my name and not only that they are not furnishing any information to any of the 3 bureaus. Once off the phone a few days later they followed up with a letter to confirm what was told to me through on the phone. Once i received the letter i sent the letter sent to me by the furnisher along with another dispute against these accounts, and once again it came back verified. I have been trying to fix this issue for almost 3 years to no avail. On some of the accounts they even say disputed in BK. I disputed this inaccurate information multiple times as student loans can not be included in BK 's. Still will not remove or update and still being reported as verified to date.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

On XX/XX/XXXX I returned a trombone that I leased from XXXX XXXX, in which I received a written receipt stating " bad debt-returned ''. I then called and spoke with a representative from XXXX XXXX ( the collection agency ) to clear the debt from my credit that was opened XX/XX/XXXX. At this point the representative informed me that the balance of the debt was over {$1600.00} ; however the amount reflected on my credit report is {$1400.00}. I was also given another amount in a letter that was sent out XX/XX/XXXX which was {$1500.00}. The representative then went on to tell me that I should have kept the instrument and had I called prior he would have advised me to do so, stating I have to submit payment to have it removed. He stated that I need to pay the amount that I see on my report and that the letter. I let him know that I had proof the instrument was returned and he said it would still have to be paid. I spoke with XXXX XXXX and was informed that they have done their part and that the collection agency has done this previously. I took it upon myself to resolve my debt with XXXX XXXX in good faith by returning the instrument and calling to have this debt cleared and was professionally bullied for payment instead.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (UT)

On XX/XX/XXXX, at approx. XXXX I was contacted by someone naming themselves XXXX XXXX XXXX XXXX XXXX  XXXX in California XXXX 

XXXX claimed she was attempting to collect on a debt from a previous account I had in XXXX. She'd stated that the " Statue of limitations '' had expired on the debt that I owed and that because of it they were filing some sort of Federal claim to force me to pay in excess of {$4000.00} by taking my bank accounts and attacking my credit. 

I asked her to show me some sort of verification of debt and she declined. I was already starting to worry as I recently started a small business and was very concerned that my company was in jeopardy. She declined to show me any verification, stating that " we sent you a letter last month, that's all the verification you need. '' After several minutes of threatening my accounts and that " the court is seeking interest on the amount '' I gave her my card details to pay the original balance of {$1100.00}. The paperwork she sent me did not have any contact information for herself as she said it would, the papers in fact listed three separate names. 

After the transaction, I attempted to look up the company 's business license, the lawyer 's listing from the California Bar, and even tried to look up their website. To my knowledge, XXXX XXXX   XXXX is not a real company. Upon further investigation, my payment actually moved through an entity named XXXX XXXX. I have included both the " supporting documents '' that XXXX sent ( which was not a proof of debt like she assured me it would be ). 

After looking into my debts, ( I have been working tirelessly for two years to clear out my credit report ) I realized the debt they were attempting to collect had simply expired due to the statute of limitations ( this is a debt over ten years old ). So, XXXX XXXX XXXX represented by XXXX XXXX, illegally attempted to collect an expired debt, did so without providing any proof of debt, and when asked, threatened me with actions that are also illegal. 

I contacted my bank account roughly thirty minutes after I gave them my card details, and disputed the transaction. I'm in the process of recovering my funds now.
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A  ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.
Consumer complaint received 2019-03-26
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)

I have been disputing information on my credit file and noticed Bank XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Consumer complaint received 2018-10-24
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. (FL)

Fraudulent account- XXXX XXXX account number XXXX I tried contacting and submitting multiple disputes for this to be removed from my Equifax credit report because it is a fruadulent account reporting on my Equifax report XXXX found that out and removed it from my report as I provided an uploaded document but Equifax wont remove it when I tried their customer service would not help and take care of the negative account reporting to my credit report.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (IN)

I recently checked my credit report and saw posted two collection items from COMMERCIAL ACCEPTANCE CO. posted XX/XX/XXXX. I proceeded to dispute the charges via the credit agencies email dispute pages. I had sent letters to the aforementioned collection agency on or about XX/XX/XXXX and again on or about XX/XX/XXXX. I never received a response to the second letter disputing the debt. More than 18 months later this collection agency posted the debt to my account though to date they have not responded to my second request to verify the debt. The items were removed from my credit report by the end of XXXX. XXXX XXXX I received another collection notice from CAC with another stated amount. I again contacted them XX/XX/XXXX requesting verification of this debt that I do not recognize. On XX/XX/XXXX I received another collection notice with an additional collection item but still nothing showing how I owe this debt. I believe this to be a result of identity theft. I had mine and my children 's credit frozen due to identity theft that was reported to the XXXX, IN police department in XX/XX/XXXX.
Consumer complaint received 2018-10-21
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. (GA)

XXXX XXXX {$1900.00} ... this collection Agency has no contract, no valid claim, debt was settled with original creditor which is XXXX ... it is against the F.C.R.A. law ; you can not collect a debt twice ... and XXXX verification is faulty and outdated creditor stated ... litigation will follow for erroneous account and claim ; please remove and do not re-insert ...
Consumer complaint received 2019-03-29
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. (OH)

I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.
Consumer complaint received 2018-10-24
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 have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-10-15
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. (TN)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like XXXX, Equifax and XXXX to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither Equifax nor XXXX, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information. 

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization.

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. XXXX, Equifax and XXXX are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.
Consumer complaint received 2017-05-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.
Consumer complaint received 2018-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp. (NY)

Hello XXXX, I received this response from the cfpb today : The attached letter was sent to the consumer. The account is now correctly reported. The company received notice that the case was dismissed on XX/XX/XXXX and was not able to update the credit bureaus immediately. As of XX/XX/XXXX they have been updated and the consumer 's account is accurately reported. 

THIS ACCOUNT HAS NOT BE UPDATED. I RECEIVED AN ALERT ON XX/XX/2018 SAYING IMPROVED ACCOUNT BALANCE XXXX PAYMENT STATUS REPOSSESSION. 
XX/XX/2018 I RECEIVED ANOTHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$4000.00} PAYMENT STATUS : COLLECTION CHARGEOFF XX/XX/2018 I RECIVED ANTOHER ALERT IMPROVED ACCOUNT ACCOUNT BLANCE XXXX PAYMENT STATUS : COLLECTION/CHARGEOFF XX/XX/2018 I RECEIVED ANTOHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$5800.00} PAYMENT STATUS REPOSSESSION. 
Please explain why this is continuing to happen. 


I DO NOT KNOW WHO IS REPORTING THIS INACCURATE INFORMATION BUT THIS HAS TO STOP AND BE UPDATED CORRECTLY. I HAVE ATTACHED ALL THE SUPPORTING DOCUMENTS TO THIS EMAIL. I should not have a chargeoff on this account being that we settled for XXXX and they would locate the other party for the additional amount owed. This was communicated clearly to Turner acceptance upon my agreement to pay as the cosigner. Payment status was to be PAID IN FULL. I have dealt with enough harassment from this company. If this is not updated accurately I will take legal action myself. All the information reporting on my credit report from this company has been inaccurate.
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inquiry- XXXX XXXX Inquiry-XXXX XXXX Inquiry-XXXX XXXX XXXX Inquiry-XXXX   Inquiry-XXXX These inquiries need to be deleted from my transunion credit report I tried contacting them and their customer service would not help and take care of the negative inquiries reporting to to my credit report that should not be there when I tried To let them know that these should not be on my account
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I tried to add a security freeze online with Experian for myself & my XXXX XXXX XXXX over whom I'm guardian. Those attempts were unsuccessful & Experian 's website mandated that I mail in all required data to obtain security freezes. I mailed all requested data. More than two weeks have passed & there is no way to call, email, or fax this company to obtain a status report. I have obtained security freezes for myself, wife & daughter with the other credit reporting agencies.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

Company- Experian/XXXX/XXXX- XXXX XXXX XXXX XXXX. Account.XXXX . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
Consumer complaint received 2018-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2018, I received a text message from PayPal saying that my account was being charged {$58.00}. I immediately felt suspicious and logged onto my paypal account. I saw the {$58.00} transfer plus {$1.00} fee charged on my XXXX XXXX XXXX debit card ending in XXXX to a person named XXXX XXXX with an email address of XXXX. I do not know this person and I did not authorize this transaction. 

The PalPal transaction ID is XXXX Please help with this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-10-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. 
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. 
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. 
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. 
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. 
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I had a fire at my home on XX/XX/2018. My mortgage company refuses to release my insurance funds to enable me to start repairs on my home and in violation of the recorded Deed of Trust on my property ( XXXX ). I have been writing to my mortgage company since XX/XX/2018. For over 100 days they have not directly responded to my written requests hindering me from making repairs to my home in a timely matter.