davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc. (GA)

This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Money Investigations, Inc. (WV)

XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (VA)

THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX AND XXXX XXXX XXXX CLAIMS THAT THEY PROPERLY SENT ME NOTICE REQUIRED BY 15 USC 1692g, THIS IS NOT A TRUE STATEMENT FROM THEM, THEY MAY HAVE IN FACT MAILED LETTERS BUT I AM NOT IN RECEIPT OF THEM. I ALSO DID NOT GET ANY ACCOUNT LEVEL DOCUMENTATION. I FOUND OUT ABOUT THESE DEBTS BECAUSE THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT AND DROPPED MY SCORE VERY LOW DAMAGING CREDIT WORTHINESS. IF THESE ACCOUNTS DID IN FACT SEND A NOTICE, I WOULD LIKE TO SEE THE CERTIFIED MAIL RECEIPT, I REQUIRE PROOF OF MAILING ACCORDING TO THE MAILBOX RULE. I WAS NEVER GIVEN A CHANCE TO DISPUTE THE VALIDITY OF THE DEBT. THESE ACCOUNTS HAVE NOT ACTED IN ACCORDANCE WITH 15 USC 1692g. THESE ACCOUNTS ALSO CLAIM THEY ARE PERMITTED TO REPORT TO MY CREDIT REPORT EVEN AFTER I HAVE SENT OUT A CEASE-AND-DESIST ORDER TO STOP ANY COMMUNICATION. THESE ACCOUNTS ARE NOT CLEAR ON THE DEFINITION WITHIN 15 USC 1692c. I'LL QUOTE IT AGAIN STRAIGHT FROM THE FEDERAL LAW, " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' UNFORTUNATELY, THESE ACCOUNTS BELIEVES THAT COMMUNICATION ONLY CONSISTS OF PHONE CALLS, LETTERS, AND EMAILS. THE LAW IS CLEAR THAT ANY COMMUNICATION ABOUT THE DEBT IS A VIOLATION AFTER THE CEASE-AND-DESIST IS DELIVERED AT THE MAILBOX. FURTHERMORE, BECAUSE THESE ACCOUNTS DID NOT MAKE SURE I RECIEVED THE PROPER NOTICE UNDER 15 USC 1692g THAT IS A VIOLATION AS WELL. MY CEASE-AND-DESIST WAS BASED ON THE FACT THAT THESE ACCOUNTS COMMUNICATED TO THE CREDIT REPORTING AGENCIES, WHICH ARE " persons AN ALLEGED DEBT REGARDING ME. THE COMMUNICATION TO THE CREDIT REPORTING AGENCIES IS AN INDIRECT COMMUNICATION BECAUSE ITS NOT A COMMUNICATION DIRECTLY TO ME. COMMUNICATIONS DIRECTLY TO ME WOULD BE PHONE CALLS, LETTERS, AND EMAILS. COMMUNICATIONS INDIRECTLY TO ME WOULD BE REPORTING TO THE CREDIT REPORTING AGENCIES, CONTACTING MY EMPLOYER, CONTACTING A SPOUSE, CONTACTING ANY PERSON THROUGH ANY MEDIUM. ITS CLEAR WHAT PERFORMANCE XXXX XXXX XXXX IS SUPPOSED TO TAKE AND THEY HAVE CHOSEN TO NEGLECT THAT PERFORMANCE AT THE EXPENSE OF DAMAGING ME IN THE COMMERCE ARENA. XXXX XXXX XXXX SHOULD HAVE THEIR LAW DEPARTMENT REVIEW THIS MATTER AND THE ATTACHED SCREENSHOTS BECAUSE THERE ARE SEVERAL VIOLATIONS.
Consumer complaint received 2023-01-26
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. (PA)

Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
XXXXWhy was the assignment made?

-Who authorized the assignment? 
XXXX ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
XXXX ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Consumer complaint received 2022-03-08
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

While attending the XXXX XXXX XXXX XXXX XXXX the school set up meetings for the students with a loan advisor with XXXX XXXX. The meetings happened on campus in a school provided meeting room under the guise that the loan advisor was going to help the borrower. Rather than helping me the loan advisor consolidated all of my loans which had a rate of 2.875 % into two new loans at 4.875 %. Some of my loans would also have been forgivable. When I was unable to pay XXXX XXXX they put my loans into forbearance for years and they continued to accumulate interest. I was mislead by XXXX XXXX and would like my loans reverted back to their original status.
Consumer complaint received 2022-03-08
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: U.S. BANCORP (IL)

The credit card is the US Bank XXXX XXXX card. One of the advertised benefits is they will reimburse you for XXXX. This was the first charge that I had placed after I received the card back on XX/XX/XXXX. After my statement closed and I noticed I didn't get reimbursed, I called and was first told it could take a couple weeks. When that didn't happen the next person I called told me it could take 6 to 8 weeks after the purchase was made to receive it. When that didn't happen the next person said he had no idea when I would get reimbursed and couldn't give me a reason why it was not happening. 

Hoping to get better results, I contacted a member from their social media team on XXXX. This person actually contacted me on the phone and seemed to understand my problems and concerns. He told me he would submit a complaint on my behalf to corporate. He stated " this will usually light a fire under their XXXX '' and I should expect a call within a few days. This took place on XX/XX/XXXX. I haven't heard anything back yet. It has been 10 weeks since this purchase was made and I haven't received anything other than one sorry excuse after another.
Consumer complaint received 2020-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I've paid $ XXXX on a $ XXXX student loan over the past years with Navient . I still owe $ XXXX. Only $ XXXX of my $ XXXX payments have gone to principle over the years. I submit that I could have taken better steps to consolidate or lower my interest rate over the years, but I was young. It seems like I should be granted some forgiveness at this point, considering i've never missed a payment, have repaid my loan + plenty of interest at this point. Asking for some forgiveness.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

To whom this may concern, I had requested my first free credit report from and had noticed some discrepancies in my report. There seems to be a couple of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit.

Due to the fact that I was succumb with family issue, I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the al inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a third party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report.

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within 45 days of receipt of this letter. ( 15 U.S.C ~1681j ( a ) ( 3 ). )
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NC)

I have a hard pull by Credco on my report from XX/XX/XXXX that I did not authorize. The only hard pull I have ever authorized on my account in my whole life was in XXXX of XXXX for my car and my first and only credit card a week or so later. I have NEVER applied for a mortgage or any other kind of loan and did not authorize this hard pull. Now I am trying to apply for a Mortgage and see this and am furious about it, this fraud needs to be removed from my credit report and the company that committed the fraud needs to be reported.
Consumer complaint received 2018-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Lender Inc (WV)

I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it
Consumer complaint received 2020-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

As the result of a single button-press in their XXXX app to receive more information, Wells Fargo enrolled me in a forbearance program for my home equity line of credit. 

I pushed a button in their XXXX app to learn more about payment assistance for my home equity line of creditseemed like a good idea given the uncertainties at the time. Next thing I know, I received a number of letters in the mail stating that they had approved a forbearance and that they were suspending my ability to draw on the remaining {$60000.00} available credit in my account. I did not skip any payments ( in fact, I made a {$5000.00} principal payment just after pushing the button ), and have a flawless record of on-time payments on this and all of my other accounts over my entire adult lifetime ( XXXX years ). My credit rating is PERFECT. 

I immediately phoned WF and spent weeks talking to more than 10 different people. Several of the people agreed to cancel the forbearance and restore my ability to make withdrawals, but in the end the forbearance was cancelled before it went into effect ( good ) but they said I would have to submit my two most recent income tax returns and re-qualify for the full line of credit before my draws could be reinstated ( not good ). I also asked WF to reverse the {$5000.00} payment I had just made. They did not refuse but kept stalling me until it was too late. According to WF, because I applied for a forbearance ( I merely wanted more details ), that indicates that Im having financial problems ( Im not ), and they dont want me to get further in debt. How someone with their assumed " financial problems '' can make a {$5000.00} principal payment I don't know. Im lucky, I have other assets I can draw on. But someone who doesnt have other assets and was negatively affected by the current COVID-19 crisis would almost certainly be forced into foreclosure were their access to {$60000.00} of available credit to suddenly disappear. Perhaps thats the goal. In my case, Wells Fargo could take possession of a $ XXXX house for $ XXXX and keep the difference. Seems like a tidy profit opportunity to me. 

Adding insult to injury, my credit report still reflects {$180000.00} in available credit for this loan, even though Im locked out of $ XXXX of it. This essentially prevents me from obtaining a smaller line of credit to replace the frozen {$60000.00}. Whats more, as I pay down the balance, the amount of available '' credit ( which is actually frozen ) will continue to rise, so my borrowing ability will likely be hindered for the next 20 years or until the HELOC is paid off.
Consumer complaint received 2018-05-24
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: Early Warning Services, LLC (GA)

XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX  in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (GA)

Pursuant to 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

Bridgecrest has mailed letters to my place of residence which serves as a form of communication.

Pursuant to 15 U.S.C 1692 Section 804 ( 2 ) ( 2 ) not state that such consumer owes any debt ; Bridgecrest has mailed a letter stating I " owe and alleged debt '' ( not state that such a consumer owes any debt ).

Can you reference the federal law that states I owe the debt under the Federal Debt Collections Act? Does your contract supersede federal law?

Bridgecrest has a legal obligation to abide by federal law under the Federal Debt Collections Practice Act. Bridgecrest has not provided an appropriate federal law to respond to my CFPB complaint. Once again the federal law under the Federal Debt Collections Act governs your contract. Please review your incorrect response and respond accordingly as you have violated federal law by indicating on your letters that This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Please note based off the federal law I provided in my CFPB complaint that statement is illegal and potential legal actions could be faced by your company if the law is not followed.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I noticed UNAUTHOEIZED INQUIRIES on my credit report. Someone else applied with my name. 

According to the FCRA, these unverified and AUNAUTHORIZED inquiries most be remove. 

credit bureau name : EQUIFAX XXXX XXXX XXXX INQUIERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
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. (VA)

I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of Experian when I asked him to look at my old file. He said that the old debt collector has instructed Experian to delete the negative report on the supposed debt. I asked Experian why it would accept a file from a new collection agency, XXXX, on an old debt that Experian acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with Experian, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think Experian did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with Experian. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

Experian is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off Experian to think that this is a new debt.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There are multiple accounts that are listed with Equifax and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

Freedom mortgage is reflecting late payments XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Our payments are automatic from the bank and are not late. In fact we found they had our full payment and didn't apply it to the mortgage. they even waived any late fee when they found the error. They should NOT reflect a late payment history on the mortgage. Unacceptable. # XXXX