davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (CA)

I received up to nine calls from this company between XX/XX/year> and XX/XX/year> after I told them during the first call on XX/XX/XXXX that they needed to stop contacting me. As soon as I picked up the phone when they called they started to demand personal information from me and refused to identify themselves or what they call was regarding. When I would hang up and call them back to see who they are I was met with the same inappropriate conduct. After researching the phone number I learned that they are a debt buying agency but they refuse to admit to that on the phone. I refused to provide my name or information and told them to remove my phone number from their database and to quit calling me. Their representatives would argue with me and try to manipulate me in to giving them information until I told them I know my FDCPA rights, that I am not obligated to enter in to any contracts with unknown third parties, and that they have to cease contacting me at my request.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

The collection agency has engaged in false misleading practices violation of fdcpa XXXX. Additionally they have provided forms violating fdcpa XXXX. They also failed to provide me with required written notice in XXXX days in advance
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX  and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Please see the attachments. This issue relates to discrimination for exercising consumer rights. The photos attached are of what I see when I attempt to login to the XXXX XXXX website now. It appears that since I have taken photographs of the secure message center messages and provided them in previous complaints, that XXXX has restricted my access to their site all together. Just another classic example of their discriminatory actions. As you will see from the screenshot messages converted to PDF ( previously just sent as XXXX file in previous complaint ), there are no " XXXX  ''. Filing a complaint is a right that I have as a consumer when my rights are being violated. Especially those rights which are in place to protect me and other consumers from discrimination such as this from XXXX.
Consumer complaint received 2024-06-13
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. (NY)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As of XX/XX/2019 my FICO scored dropped from XXXX to XXXX for absolutely no reason. I have no delinquent accounts or outstanding balances. My bills are always paid on time. I have an impeccable record. It appears it is either a clerical error or a problem with the algorithym coming up with the erroneous results. My FICO score should be at the excellent level.
Consumer complaint received 2024-06-13
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 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 2024-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I obtained a private student loan from XXXX obtained in XXXX of {$4200.00}, After being handed off to multiple lenders was passed to Navient in XXXX. After entering an income based payment plan, Navient unfairly and inconsistently Credited principal and interest throughout the years. Without updating total balance after payments were made. Over {$3400.00} to principle and {$3500.00} to interest were paid from XXXX to XXXX while only decreasing the total owed by {$500.00}. Including a lump sum payment of {$1000.00} made during XXXX. 

During XXXX after I was unemployed and reached out to Navient, they informed me I would not be allowed to enter into a forbearance period Even after the federal government stop student loan payments and threatened with sending my loan to collections. Intern, I had to obtain a personal loan to make the reoccurring payments charge to my debit card Despite my efforts to cancel automatic payments. 

XXXX after making over {$3000.00} worth of payments in XXXX, I decided to cancel my automatic payments and continue to be charged random dollar amount on random days without permission. When I reached out to Navient, they told me to contact my bank to have the payments canceled, And that there was nothing they could do Even though I had email verification that the automatic payments were canceled twice. 


In XX/XX/XXXX I was told by my cosigner/mother That Navient XXXX XXXX her for payment after I canceled my automatic payments, Causing extreme distress in our family. Over {$7000.00} have been paid to Navient in the last XXXX years With no decrease in overall balance.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NORTHERN OHIO INVESTMENT COMPANY (KY)

Victory Mortgage Bank, XXXX XXXX XXXX, XXXX XXXX, and the developer, XXXX XXXX all colluded to control mortgage rates, home prices, and complaints about the development of the neighborhoods to limit the buyers ability to raise issues. I have complained about our HOA and the financial standing, which led me to uncover their larger apparent scheme. In addition to the group mentioned above XXXX XXXX was also a former director and XXXX  of XXXX XXXX XXXX company that is a subsidiary of XXXX and XXXX XXXX XXXX, for whom invest in XXXX XXXX XXXX. It seems to me that they don't have enough distance in the mortgage creation and investment process of XXXX, as a consumer would want.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

After reviewing my documents and reading the Truth in Lending Act, I found that I was not given the required notice of rescission. I have had the mortgage since XX/XX/XXXX, which is still within the 3 years allowed if not given the notice of rescission. 

There also isn't an Appendix XXXX or XXXX model as required pursuant to the example provided in 12 CFR 1026.23 here on the CFPB site. 

On XX/XX/XXXX I mailed Carrington Mortgage Services a notice exercising my right to rescind their security interest and to return all monies paid by me. I mailed it to the dispute address provided by them on the billing statement certified mail # XXXX. The notice was received on XX/XX/XXXX according to the United States Postal Service. 

I am contacting you now because I previously mailed them notice of the same back in I think it was XXXX, but I lost the notice and never received a response from the mortgage servicer. 

This is to inform you of the progress so far.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Company has failed to disclose information pertaining to interest due, fees assessed and monthly statements or notices. Company also fraudulently responded to CFPB by stating that communication was submitted to me via mail and email. I have never received an email or direct mail communication from this company to provide me with the requested information. The only communication I have received is attached. I have questioned the fees that were charged to my account each month and for a breakdown to outline how my payments were applied.
Consumer complaint received 2024-07-02
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. (NJ)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. 

XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Consumer complaint received 2024-08-09
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. (FL)

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX XXXX XXXX XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$2700.00}
Consumer complaint received 2024-07-08
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification Dear Sir/Madam, I am writing to request Method of Verification ( MOV ) regarding a disputed item on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive information on the method used to verify the accuracy or completeness of the disputed item. 

The details of the disputed item are as follows : Creditor Name : LVNV Account Number : XXXX Date of Dispute : XX/XX/2024 Description of Disputed Item : collection I have recently received a response to my dispute, but I am requesting clarification on the method used to verify the accuracy of the information. Specifically, I would like to know : 1. The specific procedures followed by the credit bureau to verify the accuracy of the disputed information.

2. The names and contact information of any sources contacted during the verification process. 
XXXX. Any documentation or evidence relied upon during the verification process. 

Please provide this information within the timeframe specified by the FCRA, typically 15 days from the receipt of this letter. Additionally, I request that any negative reporting related to this disputed item be suspended until the requested information is provided. 

Thank you for your attention to this matter. Please communicate with me in writing to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
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. (FL)

Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ). 
I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (SC)

Information was linked to the dark web on XX/XX/year>. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CT)

In XX/XX/XXXX, XXXX XXXX sold my mortgage to Mr. Cooper without notifying me. After Mr. Cooper took over the loan, they decided to stop my automatic payments, again without notifying me. I was completely unaware of this until XX/XX/XXXX, when I checked my credit report and found I had missed several payments. These missed payments were reported under " XXXX Mortgage XXXX, '' which I later confirmed was related to my original mortgage with XXXX XXXX. 

Upon discovering this, I contacted XXXX XXXX, who informed me that my loan had indeed been sold to Mr. Cooper. When I contacted Mr. Cooper to inquire why my auto-pay was stopped, I was told they had attempted to contact me for months via phone, email, and mailnone of which I received. 

As a result of this miscommunication, my property was on the verge of foreclosure, forcing me to pay attorney fees to reverse the foreclosure process. I have asked Mr. Cooper why I should be held responsible for these fees when the situation arose from their failure to notify me of changes to my account. Unfortunately, I have not received a satisfactory explanation. 

I believe this situation was caused either by negligence or bad intent, and I would like to request your assistance in resolving this matter. I am seeking to recover the attorney fees I incurred and ensure this does not negatively impact my credit or financial standing any further. 

Thank you for your time and consideration. I look forward to your prompt response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$12000.00}
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

I received an email XXXX that because I was on the XXXX repayment plan, which is being litigated, that my loans would be placed on a forced administrative forbearance that would be XXXX % interest accrual. I reached out to someone at the Federal Student Aid website who said that interest should not be accruing on XXXX. I contacted my loan servicer by phone on XXXX, XXXX, and again via email at XXXX. Each time they said interest would be 'wiped ' at the end of the billing cycle and paid off by the government. I ask for the date that this would occur and was never given an answer ( by phone and over email. ) As of today, over {$430.00} has accrued on my account, which equals more than a month 's worth of interest that is going up by the day. Aidvantage has provided no clarity into this matter and has continuously avoided answering my questions by reading off of, or sending me a script of what they are telling all consumers.