davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (TX)

After receiving notification XXXX XXXX XXXX was suing me on behalf of American Express for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX  CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with XXXX XXXX XXXX office manager on a second call on XX/XX/XXXX at XXXX XXXX  CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions XXXX XXXX XXXX failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and XXXX XXXX XXXX won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nations Recovery Center (IN)

XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA.
Consumer complaint received 2023-04-01
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. (TX)

I am resubmitting my complaint to you through the CFPB regarding the presence of fraudulent items on my credit file. This is the twelfth time that I have attempted to dispute these inaccurate entries, and I am becoming increasingly disappointed and frustrated with the lack of progress that has been made thus far. Despite my diligent efforts to rectify this situation, it appears that my concerns are not being taken seriously. It is important to note that, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any fraudulent or inaccurate items on my credit file. According to Section 605n of the FCRA, credit bureaus are required to promptly remove any information that is found to be incorrect or can not be verified. Despite providing extensive evidence and documentation, these fraudulent items remain on my credit file. I am requesting that you remove hte following items immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX The presence of these inaccurate entries has had a detrimental impact on my credit score, creditworthiness, and overall financial well-being. This is unacceptable, particularly as I have worked diligently to maintain a positive credit history. I should not be penalized for something that was not my fault.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been receiving multiples calls from this agency about me owing $ XXXXAn account can not be furnished without my instructions and it has been annoying I constantly get calls and no one is trying to help. I have no idea about this account. It was opened fraudulently.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company. 

On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NC)

I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.

All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.

The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.
Consumer complaint received 2023-04-01
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. (SC)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Our mortgage servicer had been XXXX XXXX  XXXX. In years past, we've had our earthquake insurance paid out of our escrow account. When they missed that payment and we had to pay that premium out of pocket, we submitted CFPB Complaint XXXX, to which XXXX XXXX  responded and they corrected the problem in future years. 

Earlier this year ( XXXX  ), our mortgage servicing was transferred to Freedom Mortgage. We received a notice of cancellation from our earthquake insurance carrier, XXXX XXXX On XX/XX/2022, I called Freedom Mortgage to inquire. After a XXXX phone call, I was told that I should cancel my regular ( that is, non-earthquake ) homeowners ' insurance, which was wrong. Eventually I was able to communicate the issue to the representative, who told me in no uncertain terms that Freedom Mortgage would not be paying our earthquake insurance premium out of our escrow account. I paid the premium out of pocket ( {$490.00} ) to avoid cancellation. 

Our earthquake insurance premium was paid out of our escrow in years past, so our current escrow account payment projection, and thus our payment, would have included it. We are now paying an amount into escrow that we had to pay out of pocket as well. We did not ask that our mortgage be transferred to another servicer, and we receive no benefit from our loan being transferred to another servicer, but we are now poorer for the transfer having taken place for someone else 's benefit.
Consumer complaint received 2022-08-16
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXXXXXX Account number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-16
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. (WI)

Experian has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. Experian has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, Experian continues to ignore the law. In addition experian was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet experian continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, experian continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
Consumer complaint received 2022-08-16
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. (AR)

{$72.00} Open balance XXXX XXXX XXXX Original creditor {$99.00} XXXX XXXX XXXX Original creditor {$1000.00} Open balance XXXX XXXX XXXX  XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX XXXX XXXX Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.
Consumer complaint received 2022-08-16
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I've attempted to obtain SCRA benefits for my account multiple times, and each time after providing American Express with the document requested ( XXXX XXXX orders ) nothing happens with no explanation. I am quite frustrated American Express is treating their legally required duties with the least amount of effort.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

please see information forward that is not my information but I received addressed to me but someone else mortgage information so again I have faxed emailed and mailed all the information needed to have my mortgage payment reduced since XX/XX/XXXX NOW XX/XX/XXXX I still get LETTERS STATING THEY HAVE NOT RECEIVED MY INFORMATION THIS IS PROOF HOW THIS COMPANY HANDLES PEOPLE INFORMATION AND CONTINUE TO MAKE IT SEEM LIKE THE CONSUMER IS NOT DOING WHAT IS REQUESTED FROM THE COMPANY THIS IS WRONG AND COMPANIES NEED TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS AND NON ACTIONS AGAINST CONSUMERS AGAIN THIS IS PROOF OF WHAT I HAVE BEEN COMPLAINING ABOUT FOR MONTHS NOW I HAVE SENT EVERYTHING REQUESTED RETURNED CALLS TO THE SPECIALIST WORKING ME contact ( XXXX ) XXXX to speak with the XXXX XXXX Escalation Agent, XXXX XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. I HAVE LEFT SEVERAL MESSAGES WITH THIS PERSON AGAIN OCWEN IS PLAYING GAMES WITH CONSUMERS NOT RIGHT AND AGAIN SOMETHING NEEDS TO BE DONE.
Consumer complaint received 2022-08-16
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. (PA)

TransUnion removed 31 points from my credit score when XXXX reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The Republican Congress capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my PhD program at XXXX XXXX. In resolving this issue I have learned my FSL consolidated loan is not being serviced by XXXX it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. 

This is a lie as TransUnion reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud TransUnion, XXXX, XXXX or all three of you? 

Complete XXXX  response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( XXXX  ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of XXXX. XXXX contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ''
Consumer complaint received 2022-08-28
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.