davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (PA)

I dont think that all of the debt on my credit report is correct. Medical bills are false I always had medical insurance. XXXX bill I paid my last bill and discontinued the service. XXXX XXXX student loan is fraud Bcus that school is shut down completely and its illegal to sell my student loan to another creditor without my consent.etc
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (NC)

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive submitted a complaint before for transUnion about a fraudulent account called XXXX XXXX on my credit file. Complaint ID XXXX, transUnion responded that the account has been removed. Today after I get my credit report from transUnion, I found the entry was still there, only they changed their name to XXXX, but the address and phone number still is XXXX servicess. My question is, why transUnion didnt remove this entry, but claim to CFPB that the entry has been removed? And why transUnion didnt even verify a companys name, and allow them to report fraudenlent information under fake company name? I would like this fraudulent account to be removed from my credit file permanently and Im considering legal actions at this point against this company. 

TransUnion response to my previous complaints : Company responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response After reviewing your complaint, our records show that the XXXX XXXX XXXX # XXXX account you disputed does not currently appear on your TransUnion credit report. Also, the name of XXXX XXXX is no longer appearing on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

*** XXXX*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenedXX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$1000.00}
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (DC)

I was contacted by PAYACEI regarding a debt to the UNiversity of XXXX XXXX XXXX. The bill was for {$360.00}. At the time Univ of XXXX sent the debt to this collection agency, I had been paying ( {$150.00} ) and was nearly halfway done paying it. After being contacted by PAYACEI, I paid them the remaining {$210.00} I will owed and wrote " paid in full '' on the check, which was subsequently cashed. To my dismay, ACEI contacted me AGAIN about the now paid in full debt. I asked them to cease and desist and provided proof of all payments in a certified letter. They then contacted me again despite my request that they cease and desist. I refuse to pay MORE than what I originally owed. On XX/XX/XXXX, PAYACEI put 4 different negative collection accounts on my XXXX report -- ALL of which are untrue.. Again, this account was paid in full as of XX/XX/2019 when they cashed the final check for {$210.00}.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

For the past 5 years I've been disputing debt that I've NEVER owed. I have the bill from the dentist showing that I absolutely owe him nothing!!!!! I've disputed the amount with XXXX  for years but they never provided me with anything, no documents or even any explaination. I've requested to see what I supposedly owe, and again nothing! I've had it!!!! I'll see Justice via trial by jury as I'm entitled to under the 7th amendment. I not only want this fraudulent collections account removed, but I also require monetary compensation of the same amount!!!!! Enough is enough you thieves!!!!!
Consumer complaint received 2019-12-30
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: EQUIFAX, INC. (GA)

*** Equifax*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX   XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$850.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX-former OpenedXX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00}
Consumer complaint received 2022-10-05
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. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

First, some background : I originated my conventional mortgage in XX/XX/XXXX. The mortgage requires taxes and insurance to be escrowed and has been serviced by PHH Mortgage Services since inception. I have never had a late payment since inception. 
I have had an escrow disbursement sent each year in time to pay the Property Tax in the year in which it is billed. This has not changed since the loan was originated. 
In early XXXX, PHH sold my mortgage to XXXX, but PHH retained the servicing rights. In XX/XX/XXXX, I received a mailing from XXXX  c/o PHH requesting me to indicate my preference for payment of my property taxes. I returned the form letter on XX/XX/XXXX via FAX indicating my preference to retain my standing practice to pay in full each year, when billed. 
On XX/XX/XXXX, I checked the status of the escrow online and saw no indication that the payment was made or pending, so I called the Customer Service at XXXX/PHH. They told me XX/XX/XXXX was not a timely response and that they could not initiate a payment in XXXX ), but would submit a request to expedite. 
On XX/XX/XXXX, the online portal showed there were three installments scheduled for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX ( changed from XX/XX/XXXX status, but incorrect per tax bill requirements ). I placed another call to PHH Customer Service. I spoke to a XXXX, who explained that XX/XX/XXXX was after their deadline and they could not issue a payment in XXXX. I asked to escalate the call and after TWO hours was connected with XXXX ( employee ID XXXX ). XXXX familiarized herself with my issue and put me on hold to check what could be done by contacting the Tax Department. After a reasonable delay, she reiterated that they could not issue a payment in XXXX as I had missed the deadline on their form letter. She was not able to offer any further level of escalation for the supervisor of the Tax Department or their supervisor. She was only able to offer a PO Box to which I could send a written Notice of Error. There was no email or fax option that could address the issue in a timely way. 
The impact requires me to front {$8700.00} out of pocket to pay Property Tax in order to include in my XXXX income taxes. This doubles the funds that I've already contractually placed in escrow with this mortgage servicer, who is unwilling to send payment within a 30 day window ( from XX/XX/XXXX written direction ). This is at best willful incompetence and at worst, a deliberate fraud committed by a fiduciary to the consumer market. 
My issue : This organization instigated a process that required a response from me on a timeline that, absent my response, changed my standing direction on tax disbursements. I believe this is a deliberate strategy to hold thousands ( or millions? ) of consumer escrow payments in this way to create a financial benefit in favor of PHH to the detriment of consumers. I request that the CFPB investigate this as an example of what I believe to be a deliberate fraudulent scheme by a fiduciary.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

seeing unauthorized inquiries on my Experian credit report. I made an attempt with Experian to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / national credit card cos. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Consumer complaint received 2019-12-29
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. (CA)

The XXXX  XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

These people appied my car payment of XX/XX/2019 to another account although I made the payment with their rep. they also charged a extra fee of {$10.00} .... 

Please help ... I have attached the payment slip from my bank.
Consumer complaint received 2019-12-29
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. (CA)

The XXXX XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery disingenuously keeps sending correpondence to an address that I haven't lived at in 22 years in an attempt to make sure that I default. 

I've filed and answer, and ensured that I filed and address change with the district courts. They repeatedly disingenuously filed yet another court summons and mailed it to the wrong address to potentially achieve the same disingenuous default. 

I've personally called the creditor and they refused to speak with me referring me to a local Law firm. I've both disputed & asked them remove this from my credit report to no avail. 

The summons states its Portfolio Recovery who request me in court as well as its the same company damaging my credit score.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (IL)

This company, Early Warning, is used to verify banking history. They do not provide a way to access your information online or a dispute process other than to MAIL them a letter and include DANGEROUS information susceptible to fraud.

I should not be REQUIRED to MAIL a signed and dated Consumer Identification and Certification Form, a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ). What better way to steal someone's identity than to send a driver 's license through the postal service to an anonymous company and their anonymous employees?

They list a " secure portal '', but there is absolutely no link to access it anywhere on their website.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

This company added a collection account to my credit report. 
Amsher Collection Service Account # : XXXX Date Opened : XX/XX/2022 Balance : {$310.00} This account do not belong to me and this company is in violation of the law. 15 U.S.Code 1602 p ) The term unauthorized use in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I do not know this company and never been in contact with this company. I want this account deleted from my credit report immediately. 

I have filed an FTC report, filed a complaint with XXXX  and sent a certified letter to the creditor today.
Consumer complaint received 2019-12-29
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: HYUNDAI CAPITAL AMERICA (MA)

I was never late on the accounts that I am reporting. I am asking for proof and documents to prove that I was ever late and for the past months that I am disputing I havent received any copies of the requested proof. These inaccurate reports affects my scores so bad. Please help me out and have this deleted.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am attaching copies of the PRA accounts that show deleted from XXXX. I have accounts with PRA that they CAN NOT provide me any physical verification that these accounts are in mine & that I do in fact owe these debts! I have tried to send PRA a letter asking for a copy of our original signed contracts which theyve failed to provide! Whos to stop PRA for their illegal techniques they use??? I am beyond baffled that we havent come to a resolution yet when they CAN NOT provide me with what I am asking for! I am asking for the 5 line items I requested to be supplied to me, they havent provided my one thing that I have requested per FCRA LAWS! I am attached the papers I printed from my XXXX.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Late fees not waived Rowdy behavior by Bank of America collections agency Football between departments XXXX agents talking like parrots with standard legal terrorism statements Non availability for in person meeting by any Bank of America employee in person Modern corporate terrorism Prompts voice response systems closed XXXX Giving trouble to consumer through one sided policies Charges for retrieving 7 years bank statements Other similar bank are providing free
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (WI)

i contacted equifax as well the creditor to try and get a removal of an unauthorized inquiry involving a removal letter but no one i contacted helped me reach a solution. both companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. unauthorized inquiry XXXX XXXX, XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried numerous times to open XXXX 's account. I had been a cardholder since XXXX but this year XXXX I discovered my card was closed by Khol 's. I was sent correspondence requesting verification of my home address, utility bill, social security number etc. I was unsuccessful on a email address that was given to me by Kohl 's account services. I called again and again and was told to re applying. Today XX/XX/XXXX I called customer service Khol 's and was told I was denied opening credit card because I receive a fixed income of social security. I have worked 44 years of my life and decided I have a greater income collecting social security than working at my past employment with XXXX. This seems odd and discriminating to me about Khol 's I made less income several years ago and I was given a credit card. I have a steady income guaranteed social security fair amount to live and I am denied.
Consumer complaint received 2022-06-01
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland credit was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX   Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX. I repeat these are only missed calls and they are all from Midland credit in the last few days