davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.
Consumer complaint received 2021-10-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (CO)

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Since XXXX, I have sent several requests to Equifax to correct my date of birth on my credit report. In XX/XX/XXXX, I sent them a copy of my birth certificate to correct my date of birth on my credit report.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (LA)

I was hospitalized on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX Capio Partners whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded Capio Partners that they were in violation of the HIIPA Laws. Captio Partners could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which XXXX XXXX knows and XXXX XXXX XXXX. I spoke with XXXX XXXX who could not validate the bill but stated if I show proof of insurance for the time in question XXXX will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. XXXX bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked XXXX XXXX to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with XXXX XXXX or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  wrote this loan off in XX/XX/XXXX Since then they have continued to add accrued interest and fees to the loan increasing the balance and continue to report as new activity each month even though it reflects a date of last activity from XX/XX/XXXX
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : 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 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 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 2019-02-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

I'm paying them every month as I can since I learned I had a debt to them. But XXXX   XXXX  XXXX keeps calling me and hanging up. I called back and asked whom was calling. The gentleman told me who he was and what company he was calling on behalf. I explained to him that I've been pay as I can Every month. He then became aggressive in tone. And explains that the the bill is due in full. I again tell him I'm paying every month as I can and that I'm not trying to dodge the debt. He became even more irritable and I tell him I don't respect his tone and attitude that I didn't appreciate being called at work about something I was taking care of already and didn't see the reason for repeated ghosts calls to my phone
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit 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 XXXX XXXX has violated my rights XXXX Mortgage service has violated my rights

15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I noticed some unauthorized inquires on my consumer report. I did provide these creditors or TransUnion my written consent to report these inquires listed on my consumer report. TransUnion is defaming my name on reporting this inaccurate information.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I found a complaint, number XXXX against Shellpoint Mortgage Company . I am currently in an active bankruptcy paying the bankruptcy trustee as well as paying the mortgage company. I had received several statements stating that I was {$15000.00} behind in my mortgage and all having different amounts of what my monthly payment was. I had acknowledged that I missed a payment in XX/XX/XXXX when I paid the Trustee twice in one month and that I was short payment amounts because Shellpoint had sent me the wrong payment amounts on their statements. When I called them to clarify, I was told to pay what was on the statement. Found out later that the Bankruptcy Department is the only department in Shellpoint that has the accurate information regarding my mortgage payment amount. No other department has access to my Bankruptcy file. If I call the general number I get transferred to Lost Mitigation as if I am not in Bankruptcy protection. 
Shellpoints response to my Claim to the CFPB, was an explanation of why I had received different payment notices but not why the statements kept showing I was behind XXXX. I have several recorded conversations where I have called the Bankruptcy Department about the XXXX and I has been told multiple times to ignore that notice. It is generated outside of the BK Department. After I received the response from Shellpoint regarding the CFPB, I called the BK Department and they clarified that I was not XXXX behind but {$3200.00} because if the missed payment in XX/XX/XXXX and being short on two payments due to being send the wrong statement amount. 

On XX/XX/XXXX, A notice from the Bankruptcy court that I have a hearing on XX/XX/XXXX where Shellpoint is requesting the stay of bankruptcy to be removed and that I owed {$15000.00}. When I called Shellpoint I got the Los Mitigation department and they stated that they have not received a payment from me since XX/XX/XXXX and I have enclosed my bank statement showing all of my statements to them since XX/XX/XXXX to Shellpoint and then I have all of my bank statements from XX/XX/XXXX that I can send upon request. 
I believe ever since that I gave notification that I would miss two payments because of Covid in XX/XX/XXXX, that I have since paid back, Ive been dual tracked. I have been in a Loss Mitigation as well as Bankruptcy. If I call Shellpoint right now I am going to be sent to the Lost Mitigation Department and not the Bankruptcy Department. 
Also, I was told by bankruptcy that Shellpoint Lost Mitigations are charging me fees that they should not because I am in Bankruptcy and not in Lost Mitigation. Theses fees have exponentially increased my escrow account. I want this investigated. 
Dual tracking is illegal and I have proof that I am not XXXX behind. I need this investigated ASAP.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (MO)

My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.
Consumer complaint received 2019-09-23
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: EQUIFAX, INC. (NJ)

Equifax has shared my credit report with leasing company which has inaccuracies. When i called them 6 times to get the report fixed or file disputes, they first could not pull out my report when eventually a guy named XXXX did. He refused to share any information with me. 
Also the website is supposed to allow me to register and dispute inaccurancies online but this company refuses to do even that. 
I have wasted at least 3 hours with them but no help
Consumer complaint received 2020-12-30
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (CA)

I applied for a mortgage in XX/XX/XXXX and my credit report returned with one negative entry ( please see Signed Consumer Explanation Letter ). This negative entry is from Navient for an account ending in XXXX. The account in question was charged off in XX/XX/XXXX with the amount owed listed as {$100.00}. When I called Navient regarding settling the charged off account, their representative informed me that they show a balance higher than what is being reported to XXXX, XXXX, and XXXX. 

Per my recollection and records, I have only had the one account with Navient for a private student loan totaling {$500.00}. I borrowed the {$500.00} my last semester of college in XX/XX/XXXX because I no longer qualified for public student loans. I did not take out any additional student loans after this date. The last payment I have record of is from XX/XX/XXXX ( please see Emails from Navient ). On XX/XX/XXXX I was informed that my next payment would be due XX/XX/XXXX ( see Emails from Navient ). I received an email on XX/XX/XXXX reiterating this information with the amount due listed as {$3.00} ( see Emails from Navient ). When Sallie Mae transitioned to Navient, I was informed on XX/XX/XXXX that nothing about my account would change ( see Emails from Navient ). However, on XX/XX/XXXX I was sent an email from Navient indicating that the billing date for the account ending XXXX would be due on XX/XX/XXXX ( see Emails from Navient ). Unaware of the change, I proceeded as if the prior agreement was still in effect. The end result is reflected on my credit report. 

I have only received communication from Navient regarding the account ending in XXXX. All my student loans with balances over {$500.00} were consolidated prior to XXXX and are now serviced by the U.S. Department of Education. I do not take any responsibility whatsoever for any debt not listed on my credit report. Additionally, I may have previously challenged Navient on their credit reporting and erroneous accounts were removed. I am now attempting to settle the charged off debt of {$100.00} for the account ending XXXX.
Consumer complaint received 2024-02-27
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. (NC)

My personal information was lost/stolen during my tax preparers relocation in 2019, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. 

I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

NDS Corp. 
XXXX XXXX XXXX, XXXX XXXX, XXXX , ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to present. 
ALL WRONGFUL FORECLOSURE NEEDS TO BE INVESTIGATED BY THE PROPER AGENCIES!
Consumer complaint received 2021-10-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with Experian but it was declined.