davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount Recovery Systems, L.P. (NC)

On XX/XX/XXXX I contacted Paramount Recovery in regards to this debt. They informed me it was a medical debt for an ER visit on XX/XX/XXXX. The initial company that filed the collection action was XXXX XXXX XXXX who were contracted by XXXX XXXX XXXX when asked why XXXX XXXX XXXX wasn't the one persuing the debt they informed me that the debt been passed along to different collection agencies for the last 5 years. I contacted XXXX  XXXX XXXX XXXX and they informed me that they had it documented that I was seen in the ER on XX/XX/XXXX and was a self-pay. At that time I had full medical coverage through XXXX XXXX XXXX. The billing department has stonewalled me when I have asked to speak to a manager or supervisor. The sad part about it is that I was an employee at XXXX from XXXX to XXXX. I was in XXXX XXXX bankruptcy from XX/XX/XXXX until it was discharged in XXXX of XXXX. I had debts from XXXX XXXX that were included in my XXXX  XXXX. These collection companies could have petitioned the bankruptcy court, but since it was an unsecured debt they didn't. Under North Carolina Medical Debt Laws NC Gen. Stat1-52 ( 1 ) ( 2020 ) medical debt statute of limitations in XXXX XXXX is XXXX XXXX and begins from last payment activity or the date on the bill. I have never received a bill or statement from the provider, XXXX XXXX, or Paramount. XXXX XXXX was the provider and he is no longer with XXXX and I've searched his name and can't find anything on the internet. The other thing about all this is that I was working that day at XXXX.They also should have has my insurance information from when I was an inpatient ther in XXXX.
Consumer complaint received 2023-04-22
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: ENOVA INTERNATIONAL, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, NET CREDIT, has violated my rights. 
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 an account without my written instructions.

This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Aurora Loan Servicing is reporting my mortgage as " Delinquent XXXX '' to XXXX. This is incorrect and they wo n't change it. Aurora Loan Servicing transferred my loan to Nationstar Mortgage in 2012. My loan has been current the past 4 years. I 'm in a 6.6 % interest rate mortgage and ca n't get an approval to refinance because this trade-line is still being negatively reported by XXXX. The trade-line needs to read as follows : " Paid was 90 days, balance XXXX ''. I 'm attaching a copy of the credit page I got from my mortgage broker. Please Please Please help.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
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 Report Act XXXX, Account:XXXX, XXXX XXXX, has violated my rights. 
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 an account without my written instructions.

This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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, has violated my rights.

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 an 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 2023-10-01
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. (TX)

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.

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 XXXX 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC # XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
XXXX  : XX/XX/23 XXXX : XX/XX/23 Equifax : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MD)

Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX In XXXX, we received a letter ( dated XX/XX/20 ) from a collection company demanding payment- referencing a disputed debt to XXXX  XXXX XXXX XXXX We then reconciled this company name with numerous missed calls on our phones from this same entity. On one such call, a muffled message was left that failed to identify the caller as a collection company. In addition, the broken English used was incomprehensible. At the time, we were deeply concerned that scammers had obtained personal information and were attempting to access accounts. Needless to say, this created a significant amount of XXXX  and XXXX  on our part that led to needless XXXX  and XXXX. FDCPA section 805 ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. We have also received numerous contacts early in the XXXX that are also likely violations.
Consumer complaint received 2023-10-01
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)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX  XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-06-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION (IA)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I received a letter from Bank of America stating that my claims for reimbursement on my account due to fraudulent transactions being conducted, causing me to be a victim of true identity fraud, was denied based on the basis that the card or cards used to commit these transactions were activated and used with my XXXX To which XXXX are those I still have no idea. Further more I've submitted documents from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX credit bureau, the XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All documents support my position in my claim stand point, to which address I didn't authorize, have any knowledge of, or physically unable to conduct such transactions, in any way, shape or form during the entire period in which the transactions began and ended. They didn't allow sufficient time to receive the documents from me before making their decision, also have not supplied aby information ir supporting documents to which played a XXXX factor leadibg to the denuaif my claims. All time provisions have lapsed according to policy held by Bank of America which place a time allowance to rectify and investigate such claims and have a decision. Please further assist me, I'm a victim and untitled to what was mine and shouldn't have to feel like I'm doing something wrong and justify the wrong doings and denied simply based on a mailing address, I deserve fair and adequate service and entitled to all funds.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

I am attempting to get a new loan from a different company and need information from Select Portfolio Servicing ( SPS ). I have talked to the agent, ( not my representative ), the loan officer from the new bank has spoken with them, and we have collectively spoken with them in regards to needing a simple statement that I was not more that 46 days late on a payment, a statement that can clearly see and have made on recorded lines several times since Thursday, XX/XX/XXXX. 
In response, they have posted the same 2 letters ( attached ) to my portfolio which is their way of emailing me ; one is the general correspondence letter ( form letter ) stating they received a request for information, and the second is my pay transaction history. We have had both of these documents for quite some time. They will state that I was no more that 46 days late on the recorded line but will not send it in writing. This has caused me to lose the purchase of a house. 

Furthermore, I receive a monthly statement saying I owe {$410.00} monthly for my mortgage, I have been paying that amount twice a month since XX/XX/2023. They are not treating the second payment as a full mortgage payment but as a second half monthly payment, even though my monthly payment is only 1 payment of {$410.00}. I actually pay them {$420.00} every 2 weeks. 

This company has totally ruined my ability to purchase a new home, somehow is allowed to collect more than I owe, and is refusing to effectively communicate ( in writing ) my contract ( s ) with them. When we ask what our monthly statement is, they say {$410.00}, which is less than what we are paying now.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-10-01
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. (CA)

I checked my credit report and noticed on XX/XX/ XXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and noticed on XX/XX/XXXX reported that my account withXX/XX/XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XX/XX/XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Linebarger Goggan Blair & Sampson, LLP is sending me " demands for payment for delinquent civil violation ( s ) '' on behalf of Delaware Department of Transportation. The problem is that the debt was included in my XXXX XXXX bankruptcy [ XXXX XXXX. XXXX, XXXX XX/XX/XXXX ]. In fact, during my bankruptcy, the business continued to contact me demanding payment - to the extent that my attorney 's office had to reprimand the business for their illegal debt collection attempts while I was in active bankruptcy. At that point, the payment demands stopped for about a year until I just received one dated XX/XX/XXXX, again demanding payment for the discharged debt that I do not owe. 

During my bankruptcy, I notified the business several times in writing and over the phone that the debt was included in my XXXX XXXX case. I was told verbally by a representative that she notated my account with the bankruptcy information and I would not receive any more notices. I feel I'm forced to notify all relevant regulatory agencies at this point because the business is blatantly ignoring the discharge of this debt and at this point I feel their continued contacts are a source of harassment. Despite my best efforts they ignore my communication and provide no useful information. I must add that the business did not attend the meeting of the creditors, and never disputed the discharge of the debt.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I recently disputed multiple collections on my credit with the collection company and Experian/XX/XX/XXXX for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to Experian/XX/XX/XXXX requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX Investment, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit immediately.
Consumer complaint received 2023-05-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

Navient is the loan servicer. I have repeatedly informed them of their daily multiple annoying calls using several different numbers. They have continued to call when the account is up to date and next payment is not due for a few weeks. I have asked them to communicate with me via email only and they stated I had to go their cease and desist procedure which is supposed to be on their website, however, I never found it. They call me all day a minimum of 6 or more times every day for a payment that is less than {$100.00}.