davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (UT)

I filed for Bankruptcy a little over 3 years ago. I was having medical issues and had accumulated a stack of medical bills and had gotten behind on my mortgage. I was following my bankruptcy payments and making payments until I got sick again I got behind on both my Bankruptcy payments and my Mortgage again but was able to catch back up. I had a habit of rounding my payments up and the extra money went into a partial payment ( unapplied ) account. I incurred fees due to falling behind on my Mortgage and sent extra money to cover them, however this extra money kept getting put in the unapplied account and my statements still showed a small past due amount. 
when I received my XXXX statement I noticed that I had built up this amount quite a bit and calculated the difference for what I needed I submitted my payment with a note to combine my payment with the unapplied amount and bring my account current. The Mortgage company put it all in the unapplied funds account instead. My XXXX statement showed {$910.00} past due and {$910.00} in my unapplied account. more than enough to cover the payment. I made my regular payment and again asked the Mortgage company to apply the unapplied monies to my account. Each statement even includes a note that states " Once we receive funds equal to a full monthly payment we will apply those funds to your mortgage. '' They continued to ignore my request to do this. My XXXX statement showed {$910.00} past due and now {$910.00} an increase of {$4.00} from my rounded up payment. 
In XXXX my statement showed that they started adding fees to my account and they took {$290.00} from my unapplied account to put towards these fees. including an outrages {$200.00} Late fee. My payment was never late only diverted into the unapplied account by the Mortgage company so no late fees should have be charged, they should have followed their own policy as stated on each statement and as requested by me and applied the amount to my account. The other fees are not even explained and on my XXXX statement another {$500.00} was added. 
They have misused the funds I have sent them. Ignored my requests and are now bombarding me with unreasonable fees. I also received a letter stating that they did not receive my XXXX payment even though it shows they did on my XXXX statement. It was processed on XX/XX/21.
Consumer complaint received 2017-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2017-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.
Consumer complaint received 2022-08-26
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: DISCOVER BANK (GA)

1. I have not opened duplicates of any credit card and credit wise shows me multiple opened XXXX accounts and I only appied once and was approved. Then the same with discover I was approved and have multiple inquiries for it also. It shows me having multiple opened accounts and that would be incorrect!!! 

2. I have several inquiries on the dark web as well and have never been on it in my life!

3. I also have never gotten a loan or even applied for a loan at XXXX XXXX, I've been left messages from them also and this wasn't me!!!! 

Please help me my credit has dropped XXXX points today bc this
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (IL)

Old National Bank sent out two checks in my name AFTER my account was closed. They conveniently stated that the transaction occurred the day my account was closed. The checks were dated for 7 days after my account was closed. Checks were for {$100.00} and {$300.00}. Now recipients of said checks are being charged fees for return check fees. 
ONB just made excuses to fit their narrative
Consumer complaint received 2019-04-16
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. (CA)

ONE XXXX XXXX XXXX ACCOUNT INACCURATELY AND FRAUDULENTLY IS REPORTING UNDER MY NAME AND WITH IN THE EQUIFAX CREDIT REPORTING AGENCY. 
I HAVE TRIED TO DISPUTE AND REMOVE THIS INACCURACY BUT EQUIFAX HAS BEEN VERY MUCH STUBBORN AND IMPOLITE IN THIS MATTER AND HAS TAKEN ME MORE THAN A YEAR TO DEAL WITH SUCH STRESSFUL MATTER, I HAVE FOUND OUT FROM ONE MY FRIENDS THAT YOU WOULD BE ABLE TO HELP ME I DO NOT HAVE THE MONEY TO TAKE A LAWYER AND SUE THEM, HONESTLY I HAVE A XXXX XXXX  XXXX THAT I AM NOT EVE ABLE TO BE STRESSED OR ELSE IT CAN GET WORST. PLEASE HELP ME, YOU R ARE MY LAST HOPE. 
THANK YOU, I WILL BE ATTACHING THE FTC REPORT AND THE POLICE REPORT
Consumer complaint received 2022-08-27
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: Convergent Resources, Inc. (TX)

in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit report bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. The 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 A SECTION 2 IT ALSO STAES A CONSUMER AGENCY CAN NOT FURNISH AND ACCOUNT WITHOUT MY WRITTEN INTRUSTIONS
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

The company calls me over and over and will not stop. Ive asked to be taken off the list, but they will not comply and are seeking personal information in order to collect. The company is portfolio recovery associates llc XXXX. I block their number and they call me from a different number.
Consumer complaint received 2022-02-24
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (MD)

To Whom It May Concern : Consumer ID : XXXX I recently reviewed an extensive copy of my EARLY WARNING CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my EARLY WARNING report. - ( Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY EARLY WARNING CONSUMER REPORT IMMEDIATELY!. 


Contributor : XXXX XXXXXXXX XXXX Contribution Ref # : XXXX, ==>delete it from my EARLY WARNING REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-27
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. (SC)

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, XXXX or TransUnion ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2022-08-27
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. (SC)

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( Equifax, XXXX or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports. 

Invalidated information from any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2022-08-27
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. (GA)

See Attached documents ; I have identified information on my report that are a result of identity theft. Name Spellings that are not my name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There addresses are fraudulent addresses : XXXX XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXXXXXX in XXXX These items and or collections account are not related to any transactions completed by me : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Residences on XXXX XXXX Police Report Filed in XXXX XXXX XXXX XXXX - police report number XXXX ( Crime : Fraud-Impersonation XXXX ) Assigned Detective : XXXX XXXX
Consumer complaint received 2022-08-27
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)

I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXXXXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX XXXXXXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
Consumer complaint received 2022-08-27
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)

I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX  XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
Consumer complaint received 2022-04-14
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)

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX