davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

CommonWealth Finance added ( 1 ) collection to my credit reports without my knowledge! I checked & can't verify their registration in Florida! BOTH are FDCPA violations! CommonWealth Finance put  collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the FL Secretary of State that they are registered in Florida which is also against the FDCPA! I had requested that CommonWealth Finance verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. CommonWealth Finance also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law i contacted them and they told me they do not by law have to give me the information I requested which they stated when asked about who's name it's in its not even my bill but because that person is on my insurance they could put it on MY credit report which is illegal and that they are allowed to put it on my credit before contacting me
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : LOANCARE XXXX
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXXXXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account MIDLAND CREDIT MANAGEMENT with balance {$850.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-06-13
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: Resurgent Capital Services L.P. (CT)

I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (LA)

" SYNCB Credit Card/ Airlines '' was added to my credit reports today, XX/XX/XXXX, stating I opened the account in XX/XX/XXXX. I never applied for a credit card or anything in XX/XX/XXXX at all. I fear this is fraud and I need to get it off my report ASAP. There is no amount stated and I tried calling them and I had an automated voice ask me for account numbers that I didn't know and no option to speak with a person. I have no files to attach because it is only on my credit report that will show other personal information. If you need to see my report please let me know.
Consumer complaint received 2023-05-08
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. (NM)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following accounts listed beneath that are responding incorrectly as a result of fraud. The following accounts must be removed from my file : XXXX CARD XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted each credit bureau individually, starting XX/XX/2022. I submitted proof of the accounts being settled and paid and proof that the company agreed to remove. I have disputed these accounts multiple times over the phone and through letters as well as online. Each time the credit agency refuses to update the accounts and the lenders report the information back inaccurately despite the proof of payment I submitted to the Bureaus.
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

This is my third complaint from the same issue. Previous complaints numbers : XXXX. Submitted on XX/XX/2020 XXXX. Submitted on XX/XX/2020 This mortgage company at first tried to charge me {$3000.00} for a flood insurance when I already had mine and most recently they are saying that my flood insurance is not sufficient without telling me how much is the " insufficient '' coverage and trying to force me again to purchase their ridiculously expensive policy for {$3000.00}. 

This is an abusive practice that I am sure they are doing to a lot of mortgage owners and my hope is that with the New administration you guys INVESTIGATE and PENILIZE this company. They are ABUSING consumer 's trust and trying to charge for insurance policies when owners like me HAVE PLENTY of coverage already. 

PLEASE INVESTIGATE!
Consumer complaint received 2020-09-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

I spoke with an XXXX Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This company is so radicals. Despite the fact I told them numerous times, thats its not my debt and stop reporting it on my credit, they keep posting the same XXXX over and over. When I am trying to make a major purchase in my life, to buy a car- I have been going through XXXX to get an approval because these XXXX people just dont get it. I have been trying to purchase a car to make my life little better, a single mother of 2 XXXX, struggling to get better myself and my kids life. These companies have no empathy or common sense to even reconsider their stupid errors. I tried it all and idk what else but I need this XXXX off my credit. Excuse my XXXX but this is how frustrated Iam not being able to buy a car or better anything in life.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

In XX/XX/2023, my student loans were forgiven as part of the Public Service Student Loan Forgiveness Program. This has not been updated to reflect on my credit report. I have called several times. They always say it will be updated next month but it never is. The last time they reported to the credit bureaus was XX/XX/2023. That was six months ago.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

I started a cash Out refinance in XX/XX/XXXX On my current home loan with NeWrez. The company has started this loan process 3 times as of today XX/XX/XXXX the loan still has not closed. The homeowner has excellent credit, this loan process is taking way to long. I feel that the slow pace has to do something with race. There is no reason a loan should take this long.
Consumer complaint received 2023-03-30
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 Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-03-31
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. (IL)

There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

I am a victim of identity theft and was also vandalized. My credit score of XXXX has gone down to XXXX, because of the problems with the identity theft. Up until XX/XX/2018 I was faithful paying on the mortgage on time. 
Important documents like the social security numbers, my mother 's will, a quitclaim and other documents were stolen. I tried to contact the attorney 's office who drafted the will in XXXX California, but their office closed and a new attorney works there. 
Since I was behind in payments, I applied for a state program to avoid foreclosure. I had an opportunity to meet with the mortgage company Mr Cooper with their attorney and a mediator. After submitting documents to the mortgage company for a loan modification ( which by the way they said they would not use my credit score ) I was denied a loan modification because their bank guidelines only take 75 % of the rental income. 
I strongly believe Mr Cooper wants to take possession of the home due to the $ XXXX in equity. They also say I have no legal right to the property, since I have no will stating mother transferred the property to me. I can not prove this will because it was stolen by the thief. I did record a quitclaim at the city of XXXX Oregon. 

They claim I have no legal right to the property, since I am not on title. I can not even sell the property either. 
I was approved for a principal reduction program through XXXX, where they will pay {$50000.00} to make me current on the past due payments and apply the rest of the proceeds to my principal. Mr Cooper would not accept the principal reduction program. They also gave no reason to XXXX as to why they are rejecting the program. 
I have been in this house for 15 years and am XXXX years old. I believe I've been discriminated because I am XXXX and they can take advantage of the fact I'm a senior. Please help me to save my home otherwise I will be the next homeless victim and living in my car, and this is not an exaggeration!
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (WI)

I called on XX/XX/20 to combine my 2 mortgages and they wont and say they cant because my house is worth less than what I owe and Ive told them so many times because its not the first time Ive called for this issue I have called many times over the years I have well going on 12 years living here in this property and not planning to move anytime soon and Ive called them that the reason I owe my house more then whats its worth is cause my interests was so sly high for so many years and i havent been able to put a gap on my loan i have with them I bought my house almost 12 years ago for {$130000.00} and till this day almost 12 years later i still owe {$100000.00} and yet I call them and ask them about it and they dont see a problem and if they cant fix it and cant do anything about it or atleast trying to help me in any kind of way they can or should
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

A new collection account just appeared on my credit report on XX/XX/2019. COMMONWEALTH FINANCIAL SYSTEMS information is inaccurate. I did not visit the emergency room on the date provided ( XX/XX/2019 ) on the account and I have a health insurance. COMMONWEALTH FINANCIAL SYSTEMS is reporting the account as new/open and it is causing a lot of damage to my credit profile. No account number was provided for the collection.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (OH)

This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXXXXXX XXXX XXXX, in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's XXXX and XXXX both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by XXXX searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (TX)

This complaint is presented for recommendation of one representative from CFPB, because case XXXX was closed, but with this new complaint CFPB will keep open until I can recover my house that was stolen for a group of people and organization, who are dedicated to robe properties, including this Bank Gregory Funding. 
As I explained I want to report fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX employees, XXXX XXXX XXXX, XXXX XXXX Police Department and other involved including XXXX  XXXX XXXX XXXX. I presented report XXXX to XXXX XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited until to the robbers finished with the robbery in XX/XX/XXXX in XXXX. I also reported this robbery on XX/XX/XXXX to the XXXX when robbers stole my house and personal belongings. Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house. XXXX XXXX Office was involved to help to keep my property, but looks the robbers ignored what XXXX XXXX office did to protect my house and the corruption in government showed up. 

Sent from my XXXX