davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Notice of Violations under FDCRA and FCRA Dear PORTFOLIO RECOVERY ASSOCIATES LLC, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/2023 at XXXX EST and XX/XX/2023 at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge PORTFOLIO RECOVERY ASSOCIATES LLC to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.
Consumer complaint received 2024-07-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (SC)

My student loans have been XXXX and forgiven. All XXXX XXXX loans have been XXXX and forgiven under lawsuit. I have the official documents showing this. Ive provided them to Mohela. The government and department of education have provided Mohela this same info. A month after all was XXXX and cleared Mohela obtained the closed account somehow and started trying to collect on it. Ive contacted them and they cant explain how they got the account, why they dont want to adhere to court orders or why they cant locate the multiple documents from the department of education XXXX federal government and myself sent to them. Ive filed with all 3 credit agencies and they all removed the XXXX loan. Yesterday Mohela reissued it. This has to stop. What theyre doing is illegal. They are already under a lawsuit for failing to comply with debt forgiveness. Please make this right.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am writing to address a matter of utmost concern to COMENITYBANK/KAY regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I just looked at my consumer credit report from Experian XXXX XXXX, 2024. I saw hard inquiries on my credit report that do not have permissible purpose. I have attached evidence. 
List of inquiries : XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Years ago I could utilize myEquifax to freeze and unfreeze my credit score. After a few years I could not do this. Since then I contacted Equifax every year and every time I contacted Equifax they falsely blamed password issues and marked each case as " resolved '' and stopped responding to follow ups. This was also the case in their first response of my XXXX complaint. 

Only after a XXXX complaint and a follow up there, Equifax provided the following statement : " " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone :... 

Equifax did not respond to the reason of this, nor provided a revolution. Promptly lock/unlock is an important part in todays banking world, especially since financial companies like Equifax have been mishandling personal information in the past.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NV)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-06
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. (SC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (CA)

I XXXX XXXX XXXX has paid off Oportun on XX/XX/year>. Oportun said that they will delete this this account off of all 3 of my credit reports as of which they have not done since I paid them on XX/XX/year>.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-08-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (MI)

Complaint against Servicers and debt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX who sends work orders and instructions to CoreLogic for unlawful property tax collections, identity theft, invasion of privacy and demand for disclosures under TILA, RESPA and CFPB. 

In XX/XX/year> XXXX, XXXX and XXXX XXXX XXXX sent a demand for tax bill to XXXX XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. XXXX XXXX XXXX I am a 100 % XXXX veteran who is exempt from property taxes. This is my XXXX XXXX and demand under TILA to disclose who hired and authorized XXXX XXXX XXXX and CoreLogic Tax Services to collect my private information for my private property if anything company claimed to be a Servicer. Please disclose that CoreLogic, XXXX and XXXX XXXX XXXX did with my information collected from XXXX XXXX XXXX  and to whom this information was forwarded. 

I demand to provide me name and contact information for an authorized individual employee of XXXX, XXXX and XXXX XXXX XXXX who has personal knowledge about the source of authority and funds to collect my personal information and pay for my property taxes. 

I demand response from the real human being employee of CoreLogic, Inc and XXXX XXXX XXXX. I reject responses from Artificial Intelligence ( robots ) from non-descript " teams '' since these responses violate my human rights to communicate with an authorized employee of the company against whom I complaint and violate XXXX, XXXX and other laws.
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

On XX/XX/year>, I've submitted a School Misconduct Discharge application that was provided to me by Navient. After it was submitted, I received a notice on XX/XX/year> that my application was denied. The reason given was not a full transparent explanation on to why the decision was made to deny it. The letter stated the following reason and I quote : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do no meet the requirements for discharge based on misconduct by your school. '' Upon receiving this denial, I made a phone call and chat with a customer service agent and was still not given a transparent answer on to why it was specifically denied or what additional information was needed to have my application reconsidered. I was told the following statement " Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient '' I requested an appeal process to this denial and was just told to resubmit an application again. On my original letter that they had received my application it stated the following : " If during our review, we determine there is missing information needed to consider your application complete, we'll let you know what's needed to continue with your application '' With that said, I was never asked or given an opportunity to even provide additional documentation that may have been needed during a review process that may have helped give a full and fair review process rather than just being another added statistic to the pile of automatic denials that have been given to customers.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly, if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile history by eradication and or removal from reporting the delinquently divulged..
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't know this employer
Consumer complaint received 2024-07-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (OK)

I have contacted CBSA many times throughout the past year regarding a debt collection from them that shows on my credit report as " paid ''. 

This balance was never " paid '' to this company. I paid the college. 

Although I have talked to XXXX ( the college ), CBSA ( collections agency ), as well as the 3 credit bureaus, I have yet to get a clear answer of how this can be removed. 

CBSA tells me that the report is correct since XXXX reported this as a " paid off '' balance. 

This balance however was not paid through CBSA and should not show up as so. Looking at all 3 of my reports, this collection that was " paid '' affects 2 of my reports ( XXXX and XXXX ) and will affect me until 2029.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank improperly denied my mortgage loan modifications, which has led to my home wrongfully being in foreclosure. Wells Fargo Bank has incorrectly denied my mortgage loan modification applications and miscalculated fees and other charges notwithstanding that I am a qualified borrower. 
Wells Fargo 's process for evaluating my loan modification applications was also affected by errors in the relevant calculation formulas. These errors resulted in an overstatement of the attorneys fees included in the calculation, which sometimes caused me as a qualified borrower not to be offered a loan modification. To date Wells Fargo has not addressed the error nor provide remediation to my mortgage account that experienced incorrect loss- mitigation outcomes, including wrongful foreclosure. 
Wells Fargo 's mortgage servicing operations experienced other errors that resulted in Wells Fargo assessing my mortgage unwarranted charges and fees, which include, failing to timely pay the appropriate amount of my property taxes; miscalculated the interest rate on my adjustable-rate mortgages and did not give me information about my ability to stop paying for expensive private mortgage insurance. Wells Fargo acts and practices has caused substantial injury to me.