davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I did not receive a notice of debt owed or any bills or letters about an account that XXXX claimed I owe. I noticed the account on my credit report and I sent a certified letter XX/XX/2021 requesting the alleged debt that is reporting to my credit report be validated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX did not provide me with any documents or information to validate the account. 

First thing I need to see is an agreement with your client that grants you the authority to collect on this alleged debt. I need this information below as requested. If you can not provide ANY of these requests for you to legally report and collect for this account : The account name is XXXX XXXX Account # XXXX Agreement that bears my signature of alleged debtor wherein he agreed to pay the creditor. Alleged account number and address on file for alleged debtor. Name and address of alleged creditor. Name on file of alleged debtor. Date of original charge off or date of first delinquency of the alleged debt. The exact amount of the alleged debt. Date this alleged debt became payable. Verification or proof that this alleged debt was assigned or sold to collector Complete accounting of the alleged debt. Were any judgments obtained by any creditor regarding this alleged account? Any insurance claims made by any creditor regarding this alleged account. The commission for debt collector if collection efforts are successful and paid.
Consumer complaint received 2021-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

On XX/XX/XXXX, I called and spoke to a rep concerning my student loan payment that was taken out XX/XX/XXXX. I had explained to the rep that the CARES Act had passed and that no interest should be taken out of my payment from XX/XX/XXXX, through XX/XX/XXXX. She agreed and explained that they were backed up and to give things a few weeks to refresh and update to my records. 

It wasn't until XX/XX/XXXX I decided to log in to my account since my conversation last spring. There was no change to my payment history. I still had my {$400.00} ( {$340.00} principal {$52.00} interest ) payment reflected. The rep advised her was putting in an inquiry for research and someone would respond within 3-5 business days by mail. 

This evening, XX/XX/XXXX I reached out again. I was advised that the CARES Act went into effect XX/XX/XXXX and that inquiry that took place last month denied my request for refund. I never requested a refund. I requested if the payment was to be taken out to please move the interest incurred into the principal.
Consumer complaint received 2021-12-21
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX payment was reported late. This is not true. I've had this loan for two years ad never was late not one time. Payment was taken off of account for auto draft and was reported late. Can this get resolved ad take off as a late payment. I'm a great customer ad would not let this happen again.
Consumer complaint received 2021-12-21
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. (IN)

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, XXXX NOR EXPERIAN WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : TOTAL XXXX XXXXXXXX - {$0.00} XXXX XXXX  XXXX - {$10000.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (TX)

Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I Googled XXXX XXXX XXXX to get an 800 # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating XXXX filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from XXXX XXXX XXXX on any of my 3 credit reports, nor anything from Synchrony Bank on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, XXXX purchased from an old Synchrony Bank credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount XXXX says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This XXXX XXXX XXXX representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.
Consumer complaint received 2021-12-21
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: JPMORGAN CHASE & CO. (PA)

As of XXXX XXXX, 2021 my credit report says Dispute resolved consumer disagrees Ive never received any update or letter stating that the dispute has been resolved. 
This has been over 115 days since I started the dispute. Chase has broken the law and I want this off my credit report and my account credited.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 

XXXX XXXX
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union is refusing to provide me with a Method a Verification. In the many attempts that Ive tried to get this information, TransUnion has completely disregarded my request. They sent me documentation saying the information is accurately verified, which I have attached. 

I called TransUnion today and spoke with a supervisor. XXXX blatantly told me that the information came from XXXX and that I would not be receiving a Method a Verification in the mail. She proceeded to state that Trans Union does not provide methods of verification. XXXX have deleted this information from their records, which is attached. TransUnions refusal to provide me a Method a Verification is preventing me from exercising my right as a consumer. TransUnion is in violation of my consumer rights pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). They need to be held accountable.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PAID IN FULL, INC. (AZ)

XXXX XXXX XXXX provided a service after we moved from our home when the government shutdown in XXXX, 2018 located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX. However, we had a bill sent by the following months to that address then to collections. The bill was {$100.00} for the final service then when it went to collection was {$280.00} at PIF , Inc., Phone : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Hours M-F XXXX XXXX Paid In Full , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX I need a surgery and can not get it because of this already paid for collection for a service where we had moved out of the home due to the end of the lease as well as a federal shutdown. Please help me, I am a XXXX veteran from two wars. Thank you! 

XXXX XXXX XXXX or XXXX XXXX XXXX
Consumer complaint received 2021-12-21
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-21
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: Central Portfolio Control Inc. (AZ)

first of all under 15 usc 1681 ( a ) ( 3 ) ( a ) ( b ) ( c ) restriction of sharing medical information and they never had my persmission which is another violation under 15 usc 1681a ( 2 ) I never gave any permision
Consumer complaint received 2021-12-21
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. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2021-12-21
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. (TX)

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right an account credit files and these type of inaccuracies are unacceptable. 

Account No. XXXX XXXX debt is duplicate two different amount being reported {$1000.00} and {$2500.00} Account No. XXXX This account has no company name and it is also duplicated on my credit report the amount {$160.00}
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXXP XXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2021-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I recently set up automatic payments to be deducted from my kohls charge card. On XX/XX/20 Kohls processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called Kohls got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on Kohls behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Onity Group Inc. (PA)

Ocwen Loan Services sold my mortgage account to another company called PPH and I am on time with all of my payments. Ocwen Loan services is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Consumer complaint received 2024-08-23
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

In XXXX, I made a large prepayment on the principal balance of my mortgage that resulted in the payoff date being accelerated from XX/XX/XXXX to XX/XX/XXXX. In XXXX, I received my annual escrow statement from the bank. The escrow statement did not reflect the changed payoff date of the loan, and was requiring me to continue funding the escrow account as if the payoff date had not changed. Even worse, they were indicating I would have a shortfall and therefore were requiring me to INCREASE my monthly escrow payment. And even worse than that, the escrow statement plainly showed that the account already had enough money to fund any remaining payments to be made from the account through the end of the adjusted loan term. 

I contacted the bank and eventually was able to get the customer service representative to understand the situation, and they agreed to waive escrow. I asked if I would be charged for doing so, and I was told I would not be charged. 

Then, in early XXXX, I received a letter from the bank that they would be willing to waive escrow for a fee of {$32.00}. I immediately contacted the bank once again, demanding that they waive the escrow fee and was told the escrow department would have to handle the situation, and no, I could not speak to someone in the escrow department since they do not accept outside calls. I have yet to hear back from them more than six weeks later. 

Obviously the fee is a minor amount. What concerns me more is that the bank has clearly not programmed its systems to accurately reflect the impact of making prepayments on the loan. The impact to me was minor, but must result in significant overfunding of their escrow accounts, accounts on which they earn interest, but the mortgagee does not, i.e., they earn a lot of money unfairly based on their own mistake ( whether intentional or deliberate ).
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from Transworld Systems Inc. It's a collection for a XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$2400.00}. I'm asking that this account be removed immediately as this is fraudulent!
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I demand the following account be verified or deleted immediately : The following account is not mine : XXXX ( Account Number : XXXX ) Please remove it from my credit report.