davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc. (MO)

Hello, on XX/XX/12 I called MR Cooper to inquire about a check I received from them in the amount of XXXX. While the agent reviewed the information and etc. ( MR XXXXXXXX XXXX ) noticed that I have a PMI on my account so he assured me he HAS THE AUTHORITY to remove that mortgage insurance, I was so happy to hear that only to find out that it was all XXXX at the end ; he has not any AUTHORITY, he was only just trying to sell me another refinance for my actual mortgages which Im happy with, and he also never told me that was he was doing until the end whe he send the documents to my email. I never asked for that and didnt even call MR Cooper for that reason ; his actions cost me a bunch of points down on my credit since part of the process was to run our credit reports ( me and my wife ) thinking he was someone with the AUTHORITY TO REMOVE THAT PMI from my mortgages. Because of this bad, fraudulent and false practice, Im filling this complaint. I send file a complaint about this with Mr Cooper but they have done anything so far.
Consumer complaint received 2021-05-11
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: Nelnet, Inc. (CA)

I review a current copy of my credit report and show dept of nelnet showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

XXXX Account number:XXXX XXXX Acoount number:XXXX XXXX Account number:XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This company is keeping trying to contact me to collect money from me for something that doesnt belong to me. I asked them to sent me a proof of a signed agreement or letter or any bill I owe but the refuse. I asked them to stop calling me but theyre keeping calling me. Please I need help
Consumer complaint received 2022-01-22
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: Rent Recovery Solutions (GA)

I have been trying to get this fraudulent information deleted from my XXXX report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I Disputed The following account on my file for XXXX. No validation has been provided to me and other Credit agencies have removed this from my file but Equifax insist they have validated this account but they have not provide me proof and they continue to report this bogus account on my report.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} balance.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TN)

I received a debt collection letter in XXXX of XXXX about a XXXX debt of {$3300.00}. This was a result of identity theft. I contacted XXXX, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from MRS BPO , LLC for a XXXX debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe MRS BPO is trying to collect the same debt that was resolved with XXXX last year.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

Diversified Consultants collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

When I first diputed the account XXXX XXXX I get the reply that I have no obligation letter towards the debt. And when I disputed the debt with written letter I got the reply from them stating to dispute provide docs ..and again I disputed I got no obligation letter this is confusing unable to understand I have any obligation towards the debt or not
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (LA)

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX  that they reported the balance XXXX  but they still have it on my report.
Consumer complaint received 2022-03-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

In XXXX, 2018, Seterus, Inc. sent me another repayment plan. I have made two payments as required by the that plan. However, Seterus, Inc. sent an intent to foreclose even though I made the required payments according to the repayment plan. The intent to foreclose claims that I owe over {$4000.00}, but when I received my XXXX bill for the next mortgage payment, the XXXX bill shows I owe a little over {$3.00}, XXXX. The {$2000.00}. I have made numerous complaints to Seterus, Inc. about sending me repayment plans the its refusal to comply to policy/rules set forth in its own plans! I ask that CFPB investigate the actions of Seterus , Inc .
Consumer complaint received 2021-05-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Harbour Portfolio Advisors, LLC (DC)

On XX/XX/2021 Harbour Portfolio, XXXX XXXX And XXXX XXXX XXXX changed my locks and removed everything I owed. I am homeless because of this Action. They came to the home and my brother answered the door. They told him that they were the Mortgage Company and he had to leave. The servicers have changed their name several times. The Attorneys involved are Atty XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX Texas.
Consumer complaint received 2022-04-08
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. (FL)

There are fraudulent inquiries being reported on my Equifax consumer credit report and file. Pursuant to 15usc 1602p this is unauthorized use, because no person was given the authority to use my credit card or furnish these inquiries on my consumer credit report and file, nor did I benefit from these inquiries.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After recently opening a checking and savings with Bank of America, I deposited a questionable cashier 's check via mobile depositing within the Bank of America Online Banking App. Was instructed to retain original check in hand should I require to reference it or need it for whatever reason in the near future in order to verify funds, if needed. The cashier 's check was deemed a counterfeit cashier 's check and the check amount placed on a hold inn order to verify lines of accounting and legitimacy of such transaction. Bank of America, without any hesitation nor any notification method in an effort to alert me with the changes or circumstances within my personal accounts with them- which are now closed and have to await a few weeks for a corporate postal check to be mailed.
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

About 20 years ago my ex XXXX  and I divorced. I have fallen behind on the mortgage and contacted Suntrust for assistance. They collected documents for months and even after weekly phone calls told me I was denied for a modification for missing documents. At that point the opposing counsel was put in charge of collecting documents. I submitted documents to the counsel. I was told that I had to send in income documents from my ex XXXX who has not lived in the property for XXXX years ( I have also remarried and submitted my current XXXX who lives there now 's income ). I then contacted FHA directly and received an email from their representative stating that the lender does not need my ex XXXX XXXX income. I then forwarded this information to opposing counsel. Opposing counsel sent me back an email that they were not going to follow the directive of FHA. They are refusing to review the income that is part of the household and blocking me from receiving the assistance that FHA has in place for their homeowners. I would also like to note that I have submitted the quit claim deed and divorce decree granting me the house.
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.
Consumer complaint received 2022-07-07
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. (AR)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have a problem with the Paypal financial institution since they blocked my account for 180 days with the promise that after these days they would return the balance ( XXXX XXXX ) that remained in my account during the entire blocking period ( 180 days ) This was not so. Wait the time that Paypal told me but at the end of the period they did not return my money and they kept it I tried to solve the problem by calling their customer service and they told me that the money could no longer be returned to me for reasons of an alleged fine. I think they are stealing money from me that I already work.
Consumer complaint received 2021-05-12
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. (CA)

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the XXXXXXXX XXXX to correct their error immediately with no progress. 

I also have an letter here from XXXX XXXX for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and XXXX XXXX! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which PRA lack sufficient evidence to properly obtain default judgments. 

In so doing, PRA violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.
Consumer complaint received 2022-01-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX financial charged off my auto loan XX/XX/2020 for the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in 2020. This horrible company is going against the loan contract and I think law as far as what they can continue to report
Consumer complaint received 2022-03-13
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. (CA)

in accordance with the Fair Credit Reporting act 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