davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

I received a letter in the mail dated XX/XX/2023 stating that Debt Recovery Solutions were trying to collect for XXXX XXXX XXXX XXXX XXXX XXXX. Believing this was a fraudulent letter, I did not respond as I did not recognize that medical facility. I also reviewed the medical facility who has multiple fraudulent reports similar to this. I then received another letter on XX/XX/2023 stating I owed the same amount. ( {$620.00} ) but could pay now for a discount ( {$460.00} ). Again, I believed this to be fraudulent mail. This account was opened on my credit report on XX/XX/2023 for dates of service on XX/XX/2023. I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX through an automated system to find my account or billing information to no avail. The system could not find me. I then resorted to the XXXX. I submitted a XXXX claim on XX/XX/2023. It was closed on XX/XX/2023 due to a lack of response from the company. I then submitted a dispute through XXXX on XX/XX/2023 stating that I had no knowledge of this account. It was updated on XX/XX/2023 stating Dispute information was verified as accurate. Today ( XX/XX/2023 ), I contacted XXXX XXXX. I spoke with 4 people : XXXX and XXXX ( supervisor ). Two of the individuals hung up before I could verify the names. All of these individuals looked up my information and informed me that I was not in their system. XXXX checked both the emergency medicine system and their general system and noted that I did not have an account there. Following these calls, I contacted Debt Recovery Solutions multiple times via phone attempting to speak with someone about this credit. I received no answer. I was unable to leave a voicemail. I was unable to be redirected. Given that XXXX XXXX has no record of me, I am inclined to think this is, again, fraudulent reporting. I would like for this collections report to be removed from my credit history.
Consumer complaint received 2023-06-27
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I recently worked with Freedom Mortgage to assume my original mortgage, in order to remove my ex-spouse 's name. I was never told during the process that it would change anything in my online account. However, evidently my autopay was deleted in the process. Luckily, I noticed within the grace period that my scheduled mortgage payment hadn't been withdrawn from my bank account on XX/XX/23. I called Freedom and was told my autopay got deleted when the mortgage was assumed. I logged into my online account and added the autopay back. Then on XX/XX/23, I tried to log back in to again and was told my account access has been permanently blocked because I had assumed the mortgage. Evidently, Freedom prevents assumed borrowers from having access to the financial information of the original borrower. However, not only was I never told that assuming the mortgage would mean I'd lose online access, it makes no sense to block me from my own financial information. 

I NEVER would have gone through the assumption process if Freedom had told me it would mean I would lose online access, but at no point in the process was that mentioned, as it should have been. I did not need to remove my ex-spouse 's name from the mortgage ; it was purely a matter of convenience. I just now spoke with someone else at Freedom ( XX/XX/23 ) and evidently the blocking of accessed for assumed borrowers is a problem that IT needs to resolve, but there's no information about whether or when this issue will be resolved -- weeks? months? years? -- and in the meantime, I am unable to access my account. 

It would be helpful if CFPB could work to ensure that Freedom mortgage is prioritizing this issue so that whatever IT solution can be designed is implemented in a timely matter. No access to an online account means I have to take care of everything -- payments, changes to autopay, account monitory -- by phone or by postal mail, which is time consuming and burdensome. I can't be the only person this problem is having a negative impact on.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX XXXX XXXXXXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX XXXX XXXXXXXX Wrong date of last payment
Consumer complaint received 2023-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I'm a new Carrington mortgage customer. My loan was transferred earlier this year. I've had trouble making my payments to them because they will sit on checks sent from other financial institutions too long before processing. This happened to me twice in XXXX XXXX so now they won't let me pay by check. In each case, they sat on the checks for longer then ten days. If the checks were processed in a normal amount of time, the funds would have been in the account. 

When I called in XXXX to discuss why they take so long to process, the gentlemen said that's not the best way to pay them because they take so long to process. Now I only have the option to send secure funds through XXXX XXXX or money order. Money order isn't a good option for me because I travel out of the country often. Now when I send the funds through XXXX XXXX, it costs an additional {$50.00} to pay the bill. 

This company operates like a mom and pop grocery store that doesn't accept credit or debit cards. They want you to setup automatic payments from them to other financial institutions, but the way they operate, I don't trust them with sharing any other account information from my banks because I would bet that they also don't do a good job with information security the way they operate. I did not have trouble paying my previous mortgage company and paying this group should not be this difficult. 

I spoke to an agent and then was transferred to XXXX on the escalation team today ) XX/XX/23 and she was unhelpful and blamed all this on my late payments in XXXX XXXX. I shouldn't be forced to deal with the hassle of sending certified funds because Carrington mortgage sits on checks received like hens waiting for eggs to hatch.
Consumer complaint received 2023-06-27
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 was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXX/XXXXXXXX and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Consumer complaint received 2023-06-27
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM TRANS UNION CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO TRANS UNION NUMEROUS TIMES.
Consumer complaint received 2023-06-27
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is me really seeking a resolution my Address is incorrect. There are address thats not Mine and Im asking for a removal. 


I have listed the address below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now you do have an accurate address showing for me. But this one is not accurate
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX charged my account {$6.00} a month for a long time. I go to XXXX XXXX frequently and never noticed. After I finally started seeing a pattern, I called them to find out what the deal was. I had not authorized a monthly charge of any kind. They could not find a reason that I was being charged, but yet still refused to give me a refund. They would not take the charge off of my account and I was forced to change my credit card number. Then I tried to dispute it with Bank of America. They could only go back 1 year. They told me the total they could do was XXXX. This was last XX/XX/2022. They did credit me some of this money, but later charged me for it again. I believe at this point, I have only received XXXX credit. I just called them and still no resolution. After 6 months, I am tired of waiting. They have closed the dispute twice and I had to re-open. I want this resolved as 6 months is more than enough time to get it done. I am hoping you can help
Consumer complaint received 2023-06-27
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I am writing to file a complaint regarding Portfolio Recovery Associates , LLC and XXXX for inaccurately reporting a debt on my credit file with XXXX, XXXX, and XXXX. The continued reporting of this account as open and in my name is incorrect and harmful, as the account was stolen and later sold on the dark web due to the XXXX  data breach. I respectfully request the CFPBs assistance in having this inaccurate information removed from all three credit bureaus. 

Account Details : Original Creditor : XXXX Current Creditor : Portfolio Recovery Associates , LLC Reported Balance : {$720.00} Reported Delinquency : XX/XX/XXXX Account Purchase Date by Portfolio Recovery : XX/XX/XXXX Issue Summary : 1. Stolen Account and Fraudulent Charges : This XXXX account was stolen and subsequently used fraudulently. I reported this theft to XXXX, and they were made aware that this was not my debt. 


2. Purchase of Debt by Portfolio Recovery Associates , LLC : On XX/XX/XXXX, Portfolio Recovery Associates , LLC purchased the debt despite my prior report of fraudulent activity on this account. Since then, they have continued to report the account on my credit file as if I am liable for the balance, which is inaccurate and harmful. 


3. FTC Report and Data Breach : I have reported this stolen account to the Federal Trade Commission ( FTC ), given that my personal information was compromised in the XXXX data breach, which ultimately led to my XXXX account being sold on the dark web. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-27
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. (GA)

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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-27
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. (FL)

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting 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've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This has been going on for a few years now since the start of my XXXX benefit there's been nothing but fraudulent charges and I'm basically expected to just go without while they take their time and make sure that I'm not lying well they just sent me a letter about XXXX weeks ago saying that they owed for appeal that I had overturned in XXXX and that they were going to be sending me back my fees and XXXX and they've only given me back my fees. Still haven't got the XXXX charge back
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I am submitting a complaint regarding XXXX XXXX and Portfolio Recovery Associates , LLC for inaccurately reporting a fraudulent debt on my credit report. This account was opened without my authorization, as my personal information was compromised in the XXXX data breach. I respectfully request that the CFPB assist in ensuring that this fraudulent account and related collections are promptly removed from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC Reported Balance : {$400.00} Reported Delinquency : XX/XX/year> Issue Summary : 1. Fraudulent Account Creation : This account with XXXXXXXX XXXX was opened fraudulently due to the XXXX data breach, during which my personal information was compromised and used without my consent. 


2. Collection Activity by Portfolio Recovery Associates , LLC : Despite this account being unauthorized and fraudulently created, Portfolio Recovery Associates , LLC is reporting a balance of {$400.00} and listing the account as delinquent as of XX/XX/year>. Their continued reporting of this fraudulent debt is damaging to my credit and personal financial standing.

3. Previous Reports of Identity Theft : I have previously reported this fraudulent activity to the Federal Trade Commission ( FTC ) and notified both XXXX and XXXX XXXX of the unauthorized account. However, Portfolio Recovery Associates , LLC continues to report the account as a valid collection, ignoring the documented evidence of fraud and identity theft.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.