davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, 4 months later, I review my updated credit report and I noticed that they update my address, but they did not remove the inaccurate addresses on the EXPERIAN and XXXX report, so I am now taking extra step because I really need these addresses to be remove off of my credit report.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian recently verified a bankruptcy. Per their own response ( Experian attachment ) they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Experian able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as XXXX ( XXXX complaint number XXXX below ) ). So how was Experian able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Experian database and my credit report immediately as they are unable to verify said account. 

XXXX Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, XXXX XXXX XXXX ( XXXX ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), XXXX provides this information to XXXX for XXXX to include, at XXXX sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, XXXX has determined that XXXX did not provide XXXX with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX XXXX consumer report. XXXX began providing publicly available bankruptcy information to XXXX on or about XX/XX/XXXX. XXXX does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that XXXX has included within XXXX XXXX consumer report. XXXX XXXX may need to contact XXXX directly to determine the source of the bankruptcy information that appears on XXXX XXXX XXXX consumer report. ''
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!
Consumer complaint received 2022-04-22
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. (VA)

Fraudulent inquiries are being reported to my credit report. 

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 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (MD)

XXXX ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to Affirm so that Affirm could determine if a refund was valid Affirm supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, Affirm will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other Affirm clients about XXXX on-line.
Consumer complaint received 2022-04-22
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 Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-21
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. (AL)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$1300.00} account # XXXX 30 days late in XX/XX/2022 2022
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Since XX/XX/2021, I have been receiving phone calls from Portfolio Recovery from three different local phone numbers stating that I owed nearly {$3500.00} on a credit card loan that I did not authorized. The most frequent telephone number they called from is XXXX. On today and within the last XXXX months, I have received calls from XXXX and XXXX. The loan does not have my correct legal name listed, and I was in the process of a divorce when the company stated the loan was authorized. I was also not in the state at the time the loan was requested and approved. I have spoken with multiple representatives at the company, including submitting an investigation on the loan, and I also sent them copies of my legal information to show that I did not authorize the loan. To date, I am still receiving unwanted calls, and the balance was supposed to be removed from my credit report.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy. 
>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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. 
>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

It has been years and XXXX XXXX and Equifax just hasnt removed this Fraud account for my credit report. It has been ruining my credit for to long and now Im finally going to meet with a lawyer, and I will be reaching out to the FTC as well about this situation.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC is violating my consumer rights. It has come to my attention after reviewing my credit report that LVNV Funding LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. I am unaware of this debt and I have no knowledge of these debt. 

In my first complaint this company attached a document that I have never received.i don't reside in the state that the address listed. They do not have any proof that it was received. I was never given a chance to dispute this alleged debt yet it waa placed on my credit report. 

I am requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditors. This is very deceptive practices. LVNV Funding LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. LVNV Funding LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 

The document that was sent in the attachment is under another company name as well.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

Some medical lab work was sent to XXXX XXXX XXXX XXXX, Texas- without my expressed permission or my knowledge. 

I wasn't told any lab work of mine would be sent to XXXX. 
I wasn't asked to give my permission to send any lab work of mine to XXXX. 
The physician DID NOT inform me any lab work of mine would be sent to XXXX. 
I was not informed XXXX would be doing any testing and thereby violating HIPAA laws. 
Any further communication should be with the doctor and the lab. 
I believe this bill violates the Surprise Medical Billing law passed into law : which basically states : The federal No Surprises Act became effective XXXXXXXX XXXX XXXX. It established a federal law prohibiting balance billing for out-of-network, self-pay, and uninsured patients from certain surprise medical bills. The law also created patient price transparency rules by requiring certain physicians to provide their patients with good faith estimates. 
XXXX continues to send late notices and now, the collection service from XXXX, MA is getting involved. 
This action of XXXX is now harassment.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC (VA)

I have sent in a request to this unknown company to cease and desist all scam and harassing phone calls. I have been receiving phone early in the morning up to XXXX am and XXXX pm. I have ask them to take me off the their don't call list. This issue continued for well over 6 months. I spoke with a gentlemen back in XXXX to please take me off their call and that I don't owe any debt to their company. The gentleman continue to talk about bracelet, or earrings etc. I became so disgusted that I asked the man to please take me off your call list and don't contact me anymore. 
Two days later I received another phone call, and this man asking for all my personal information. I explained that don't give out my information and please cease and desist from calling me sir. XXXX I go thru my credit report to make sure everything is looking good. I see this same company 's name on my credit report alleging that I owe them XXXX. Then I get another phone call : " I explained to the lady to tell the company to take me off their call list, and I don't owe no debt to that company. I started asking her about relevant information : Name of the Company, address, then she hung up. 
I called back and gentleman answered phone. I asked him for their company 's information. He stated that they don't give that information out, and that they are a digital company. 

After some research I found the company 's information. I sent a cease and desist letter and disputed their information. I asked for validation of the debt, and for them to remove their fraudulent information from my credit report. This letter was sent by XXXX XXXX priority mail XX/XX/22, and the company received and signed for it XX/XX/22. The company hasn't provide me with any validation of the debt, and they haven't stop their fraudulent reporting on my credit report, and I just received a letter from them on XX/XX/22 that want me to give them a police report because I disputed on XXXX XX/XX/22 that this account in question is a fraudulent account. 

Is not my responsibility as a consumer that feels unsafe with this fraudulent company to have no information that pertains to my personal information. It's the furnisher responsibility under 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) This is a complaint of harassment and it must stop
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-
Consumer complaint received 2023-10-21
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. (MI)

I have 6 unauthorized inquiries on my Trans Union credit report that I did not authorize that I demand be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was delinquent on my mortgage payments. I called my mortgage company, SLS, servicing on XX/XX/XXXX or XXXX. At the time of my phone call I was due for the XXXX, XXXX, XXXX, and XXXX payments. I called and offered to pay XXXX, XXXX, and XXXX payments over the phone. This would have left my loan due for the XXXX payment, the same month I was calling. The representative on the phone refused to take my payment over the phone several times. She told me I had to mail the payment. I asked her several times what is the difference in me mailing the payment and she taking the payment over the phone. She would only say I had to mail the payment. I did the mail payment as the lady asked. The loan went into foreclosure in between the time the payment was in the mail and it arrived at SLS. I have spoken to several other representative including a supervisor who all said she should have taken the payment and they do not understand why she didn't take the payment. When I mailed the payment I called again and spoke to a representative who asked when could I make another payment. I said I can make the XXXX payment on XX/XX/XXXX. She said that is fine and we can look at placing you on a repayment plan at that time us the XX/XX/XXXX payment as a down payment. I asked that is fine. I also spoke to a supervisor who stated that the representative should have taken the payment. To make matters worse, when I spoke to a supervisor he stated the notes did not state I tried to make a payment over the phone, only that I would mail the payment. This is not correct. I asked him to pull the phone call and listen to it. He advised me I had to place the request in writing and mail it to them. I have done this and I am waiting on a response. 
Now the loan is in foreclosure and they want want the full amount plus attorney fees to reinstate the loan. That is not fair and unethical.

I can not afford to do that. SLS has advised me the cashiers check for the XXXX, XXXX and XXXX payment is being mailed back to me. I do have the XXXX payment as I promised. If they took the payments it would leave me due for only this months payment, XXXX, so the loan would be less than 30 days due as of today. 
I still can't believe the mortgage company refused to accept XXXX out of XXXX mortgage payments when i offered the payments and told me to mail the payments. In between the time the payment was mailed and arrived at their office the loan went into foreclosure. I am also asking that SLS provide the phone call from XX/XX/XXXX or XXXX when the rep refused to accept the payments. 

I am asking SLS to accept the payments and remove the loan from foreclosure as the rep should have accepted the payments when I offered them. 

If SLS will not stop the foreclosure I am asking the foreclosure to be paused for 90 days so I can sell the home. 

Thank you
Consumer complaint received 2022-04-22
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. (NJ)

On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, On XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for XXXX and Experian, needs to be update since I was never late on the account, so I need that information to be update
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.