davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OK)

On XXXX a debt was opened for the amount of {$1100.00} It was placed on my credit report XXXX XXXX Before this I received no notification of this debt or that any collection would be brought against me. 

Im also not certain if it is outside of the statue of limitation in the state of Oklahoma because it says 5 years. This would be 5 years and 5 months
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property. 
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (NJ)

In XXXX or XXXX ( I believe XXXX ), I received a letter from CMRE Financial Services , Inc. stating that a collection from XXXX XXXX XXXX was placed with them. Immediately, I notified CMRE ( by USPS Priority Mail with Tracking ) that I did not recognize the charge, did not recognize the amount, and had no recollection of any of this. This was delivered to them, as indicated by the tracking number on the package. In this letter, I not only asked for debt validation, but advised them to only contact me through written correspondence, as I am unable to take phone calls, and doing so could risk my husband 's employment. 

Instead of acknowledging receipt, they sent an additional collection notice on XX/XX/XXXX, WELL AFTER receipt of my letter indicating I would need validation. To add further insult to injury, they now have begun to attempt to communicate by phone. None of this is acceptable, and a gross exaggeration of their duties, while violating my rights.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. 

On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. 

On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. 

Creditors Bureau Associates does not have an account number listed as well on all three bureaus.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NJ)

i had a mortgage with ocwen loan services, acct ( XXXX ). 
i had sought a modification years back and received a modification which was posted to credit report over 7 years ago. No payments were missed and account was in good standing once modification was in place. I refinanced with XXXX XXXX  XXXX ( since sold to XXXX  XXXX ) in late XXXX XXXX of 2019. Prior to refinance closing, i received a letter from PHH mortgage that they would be assuming the servicing of the Ocwen loan. 
Seeing as the refi was being completed, i felt no need to contact them. The closing occurred without a hitch and the loan was paid off in full. Two weeks subsequent to closing, i received a credit report alert that PHH has posted on my credit report that a modification had occurred. This was YEARS PAST the time the modification had occurred. this has since done significant damage to my credit score, that i worked very hard to re establish. i contact this PHH and they are of no help whatsoever. Can you please force them to remove this late, errant, false report on my credit report. 

phh mortgage XXXX XXXX XXXX XXXX XXXXl, NJ XXXX XXXX XXXX XXXX Loan number XXXX
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (CA)

Dear Sirs, This complaint is regarding Early Warning Systems out of Arizona. 
I am completely devastated by this company, EWS, or XXXX, who has ruined my life to this day because every checking account I open gets shut down due to inaccurate information on my consumer credit report. 
I went into XXXX XXXX, XX/XX/XXXX after relocating to XXXX XXXX from XXXX, California to pay an outstanding fee on my checking account which I had had since XXXX. 
It was XXXX. 
The bank had just closed my account that morning. I tried to pay the XXXX and they said I couldn't pay it there and that it was in collections. I asked what collections it was in. 
They didn't know. 
I still don't know and no one at the bank seems to know. 
Meanwhile that triggered off Early Warning Systems a company in Arizona. 
My XXXX XXXX XXXX accounts were all closed because of this XXXX fee that I am not allowed to pay to the bank because it's in collections somewhere!! ; I don't think this is fair and it's causing extreme undo XXXX XXXX. Example : I had just deposited XXXX cash at my XXXX XXXX XXXX  ATM and when doing so on XX/XX/XXXX it kept my cash and froze my accounts. I have had NO MONEY to live on for almost XXXX days now while they wait to send me a check for the monies that were in my account. 
I need help. This is so unfair to leave someone with no money at all for days and days. 
This is an emergency. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NV)

Hello, I purchased a washer and dryer from conns home appliances in early 2021. The dryer had problems from day 1 with the door opening and barely drying clothes. We checked the exhaust vent but that was not the issue. When we went back to the store and told them we wanted a replacement for our faulty dryer, they told us the only option was to send out a repair technician and have them look at it. We refused and said we wanted a new one, but they told us the only way to do that was to return them, paying a 15 % restocking fee and buy new ones. As a result of this outcome I decided I was not going to do business with conns and elected to return them and buy a washer/dryer elsewhere. Unfortunately this was only the beginning of my nightmare. 

I moved forward with the return and had conns pick everything up from my house. We went to the store here in XXXX and spoke with the manager, who gave us a strong attitude about the fact we were returning these appliances. Regardless, we moved forward and paid the restocking fee. He also notified us we had to pay for the hoses as they could not take them back. We accepted and paid a return fee. 

Months later I started suddenly getting harassing phone calls from conns picking up the phone and directly getting to the point telling us we owe a balance of over {$1000.00} and asked me how Id like to pay. I refused and opened a case with conns where they told me it would be investigated. No one ever called me about the case, but they had no problem continuing to call me about a fictitious balance. Months continued to go by with no resolution to this case. We have several phone calls recorded where conns employees admit that in our account notes our account should be closed long ago. 

Skip ahead months later and Im now being harassed by collection agencies saying we owe over {$1400.00} to conns. I started a 3 way call with both of these companies which I have on record and will display as evidence as needed. The conns employee admitted once again that this account was supposed to be closed and the offline team will need to take a look. Again, we have this on recording too. 

I never got the phone call from the offline team, but I finally harassed them on their web chat for someone to look into my account further. They were very rude to me however I finally got them to admit that my account is supposedly not closed because of these 2 XXXX hoses that we were told could not be returned and were being paid for as part of the return. This is absolutely ridiculous as these were {$20.00} hoses and they should have been clear that this was the issue from day 1. The balance has been over {$1000.00} and increasing as they continue to charge me late fees. This company must be stopped, as they are thieves and conn artists ruining my credit and my ability to get a house for my family. If this continues much longer I will be seeking legal action for damages to my credit and well being.
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-07
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. (MD)

I have sent Experian, XXXX XXXX XXXX multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I bought a vehicle from a certified dealer ( XXXX ) who approved my loan based on my excellent credit score from XXXX ( XX/XX/2019 ). My Experian credit is currently frozen and no matter what I do, I can not get them to unfreeze it. I can not reach a human on the phone, I can not get through with the automated prompts and my information. I can not get through via my account online. I tried to get through various ways for about 2 weeks. I mailed Experian the requested documents on XX/XX/2019. According to Experian, it takes 3 business days to respond to my request. It has been 8 business days ( not counting Saturday mail days ) since I've mailed the paperwork. I have no response from Experian stating that they even received the mail from me. In the meantime, my car 's temporary registration is about to run out and the dealership doesn't want to work with me to get the sale of the car finalized. I've been back and forth with them, updating them on my issues with Experian to no avail. I need help speaking to a human being at Experian, updating my correct information, and permanently lifting my credit freeze so I can move on with my life. It is absolutely disturbing that speaking to a human, etc. is impossible, especially when credit is all we have as Americans. Please look into their automated system of blocking a person from speaking with a human being as well as their lack of human interaction in regards to contacting email support.
Consumer complaint received 2023-04-07
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-11
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. (PA)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2XXXX XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (UT)

The debt collection company never notified me of my right to dispute a debt that is incorrect and has had other collection companies removed from reporting because the debt is not mine and is from 7+ years. A copy of this complaint will be submitted to the FTC and the State Attorney General 's office to take further legal action against the Debt Collection company for the violation that has occurred.
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (CA)

I am unable to place a credit freeze on my account. On XX/XX/19 I went online and spoke to two Equifax agents about placing a freeze on my account. I have extremely detailed financial records and provided them all financial information I had on hand, but the questions they required of me did not permit them to give me access to my account. They provided no reasonable means for freezing my credit and I believe this is a violation of the law and that they should be liable in the event of a credit incident.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

This company AES/PHEAA, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-01-29
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. (MD)

XXXX XXXX XXXX WORKS FOR XXXX WHO BOUGHT THE ACCOUNT FROM XXXX  XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, TRANS UNION AND XXXX. XXXX XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

I am filing this CFPB complaint against the Professional Bureau of Collections of Maryland because they reported to my credit reports an account without contacting me first upon receipt of the account. I showed a missed phone call on XXXX, XX/XX/2021, and then I received a letter on XXXX, XX/XX/2021. Upon receiving the letter, I called and paid the {$73.00} that day. 
They should have contacted me first to give me a chance to pay prior to putting it on my credit bureau report. The original party, XXXX XXXX XXXX XXXX did not report this to the CRAs, but upon receiving this they PBC of Maryland did. Per the FCRA, they should have notified me of the change of ownership prior to reporting to the CRAs under their name.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.