davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES (OH)

In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted. 

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report. 

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Consumer complaint received 2020-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IN)

I have federal student debt that was refinanced by the private lender XXXX and later sold to Mohela. When I login through XXXX/Mohela there is language indicated that payments and interest on student loans has been postponed due to National Emergency. 
I applied for forbearance due to National Emergency with this lender, and I am still accruing interest. When I spoke to customer service they indicated because my federal student loan was refinanced with their private company, I am not eligible for 0 % interest during my forbearance. There are several reasons I wish to file this complaint. 
1 ) Companies offering to refinance federal student loans, due to under the premise of offering borrowers relief through the form of lower payments, etc. I was not informed when switching my loans to this company, that I would no longer be able to qualify for assistance/aide in the event of a National Emergency that I would have been afforded had I left my loan with the federal institution, therefore I could not have made an informed decision about this. 
2 ) I would argue that this is quite unethical to take advantage of borrowers during a National Emergency by refusing them financial assistance that they would have been entitled to had they left their loans with the original lender. It is taking advantage of consumers during a vulnerable time. 
I believe that these private lenders should be subject to the same guidelines as federal lenders during this time.
Consumer complaint received 2020-10-30
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. (AZ)

XXXX XXXX XXXX XXXX  is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (TX)

This is my second time this has happened to me, the first time I did not receive anything and I saw it on my credit report and I filed a compliant with CFPB and thanks to them I was able to fix it. Now I am receiving another letter from a different law office stating I owe them {$260.00} from a medical lab from XXXX XXXX XXXX XXXX, I called them and told them that I do not owe anything that everytime I would get lab work I would pay my copays and if any balance I would pay. They say I have two accounts with them one for {$30.00} and another for {$230.00} totaling {$260.00}, they said I need to call my insurance company and they would help me, I do not have that insurance company no longer and I called them and they said all my copays were paid and to their knowledge I paid all my balances, I have never received no letter from XXXX XXXX if not I would have called. I do not wish this to affect my credit when I do not owe anything, I hope CFBP can help me with this. Thanks
Consumer complaint received 2020-10-30
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. (TX)

I have submitted several disputes with Experian and XXXX XXXX over the course of the past 60 days. Both agencies said that they were re-investigating the account in question ( XXXX XXXX XXXX XXXX ). XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. Experian deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. Thank you
Consumer complaint received 2017-12-10
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. (IL)

I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both XXXX & TransUnion to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the XXXX & TRANSUNION have yet to provide.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The collection account XXXX ( XXXX XXXX XXXX XXXX ) XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of 2020 and they have yet to validate this account. I also notified XXXX and Equifax that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.
Consumer complaint received 2021-05-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Initially submitted a complaint with the CFPB due to lack of help from MR Cooper in regards to help a few more months. Company giving me names of people to contact within the company and none returned calls. Im a XXXX veteran awaiting retro payment from the VA in excess of XXXX. Payment should be deposited by end of XXXX. Mr. Cooper has been calling me in excess of twice a day over the past 4 days with no messages left. If these people left a name and number Id call them back and explain the situation. Im finding these calls with no messages kind of harassing, just leave a message and Id call you back.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX  I submitted a complaint to TU informing the bureau that the charged off account needed to be investigated for improper reporting and TU repsonded that the account was not reporting on my consumer report, however the account is still listed on my report as a charge off. 

I requested a 1099C form from XXXX XXXXXXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau XXXX they stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Consumer complaint received 2020-10-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I recently submitted a complaint ( XXXX ) regarding this debt collector. The account that I am alleged to have owed has been resolved. I am no longer financially obligated to this account. As per my previous letter, for National Credit Adjusters to have standing to collect a debt from me, there must be a valid contract between your company and I. To my knowledge, there is no contract on file baring my signature that ties me to this debt. In addition, you did not disclose that I have the right under contract law to refuse to contract with you. Instead, your company relied on fraud by omission to induce me to pay. Fraud voids all contracts, implied or otherwise. As a solution to resolve this matter, I respectfully request that you remove/delete this information from my credit report immediately. If the account in question is not deleted from all three credit bureaus within 30 days I will have no other choice but to pursue the issue further and become a big thorn in your side! 
Original Creditor : XXXX XXXX Account # : XXXX NCA Account # : XXXX
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has been paid and closed out. They put another credit card on my credit report. The closed the credit card immediately with a balance. I believe there is some fraud activity going on with capital one credit card. I only had one credit card with them and it was closed on XX/XX/2020. Why are they still reporting on my XXXX credit report. There was another charge of XXXX dollars and closed account. Please help me with this situation.
Consumer complaint received 2024-07-19
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Hello, I am on XXXX due to a XXXX  XXXX. Money went missing from my Money Network card starting on XX/XX/XXXX. I have called them many times trying to figure this out. Someone over the phone finally confirmed that someone got into my account and changed my XXXX XXXX XXXX  transfer account number to another account not belonging to me. Over XXXX has been stolen from me. Money Network asked me to file an appeal which I did as well as giving them a police report case number and screen shots of my bank account deposit history showing that I never received the deposits. 

Ive also spoken XXXX on many occasions and they tell me that once they transfer the money to Money Network this issue is out of their hands which I understand. I have since signed up for direct deposit now that they offer than so that I can avoid Money Network all together. 

Through two letters from Money Network they have denied my case then said that the case is closed. I am on XXXX because I am unable to work at this time. I depend on this money to help me get through this period until I am able to get back to work. I really need some help with this issue PLEASE. 

I tried to attach all screen shots of my Bank Depost activity but could only attach two images. My police report case number is XXXX. XXXX XXXX XXXX took the report information and said you could call him regarding this issue. 

Thank you, XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AE)

On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee. 

I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing. 

After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee. 

On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf. 

On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines.

Portfolio Recovery 's response, " Because we purchased the account and contract XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX and XXXX is required to validate the account, '' violates the provisions of the Fair Credit Reporting Act ( FCRA ) Section 611. This section requires debt collectors to provide verification of the debt upon the consumer 's written request. I have indicated that I did not receive such validation and verification and their response does not meet the requirement. 

In addition, Portfolio Recovery 's statement that " business records provided to us by XXXX XXXX Bank ( XXXX ), XXXX ( XXXX XXXX ) reflect that on or about XX/XX/2015, XXXX XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX, '' is incorrect and inaccurate. I have ordered a new social security card and will soon prove that the name associated with those last four numbers is incorrect. This means that Portfolio Recovery has no contract in my name and social security number and did not verify or validate the alleged debt. 

Portfolio Recovery 's violation of the U.S.C codes, including 1681i ( a ) ( 1 ) ( A ) and ( B ), 1681e ( b ), 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692g ( a ), 1692g ( b ), and 1692g ( c ), constitutes passive harassment, coercion, and abuse with the intention of hurting my credit score and stifling my financial success. 

Furthermore, Portfolio Recovery is violating FCRA Section 611 ( a ) by refusing to reinvestigate the accuracy of disputed information when requested by the consumer, Regulation V ( 12 CFR Part 1022 ) by failing to provide written verification and validation of debt within five days of their initial communication with the consumer, and industry guidelines established by organizations such as the Association of Credit and Collection Professionals ( ACA International ).

I request that the Consumer Financial Protection Bureau take appropriate action against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. I believe that Portfolio Recovery has failed to legally resolve my complaint and provide verification and validation of the alleged debt.

Thank you for your attention to this matter.
Consumer complaint received 2021-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing unauthorized inquiries on my credit report since XX/XX/XXXX. I have disputed continuously with all three bureaus on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I still have not received a response from the bureaus, this is unacceptable! XXXX XXXX and Experian need to be held accountable for what they're required to do BY LAW and respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

XXXX of this year I was notified that Nexus Lexus put false information onto my driving record without a correctly investigating. I reached out to XXXX XXXX  who handled the claim and received proof that I was not at fault. Nexus Lexus IS now ignoring my request to investigate proper information. I have reached out to them several times and no response. Please help. I am paying hundreds more on car insurance and its not my fault. I have also reached out to the XXXX of Ohio to try and fix and they said, they dont handle it.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason, I've been trying to ask for help from their customer service, but they are always offline. I heard that I can file a report here because I think they are not doing their job properly. I desperately need my money for our everyday expenses. I hope you can help me with this matter. My email linked to my Paypal account is XXXX Thank you
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted numerous request for investigation for accounts reporting on my credit file that are erroneous and I have not received any mail or seen comments that show evidence that my requests have been acted upon. Please help me remedy this issue.