davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (PA)

Date of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report to be removed.
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX  did it, but Transunion and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER NAVIENT WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX, TRANSUNION AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

In 2018 I received a debt letter from Convergent Outsourcing. The creditor was XXXX and the client account # XXXX. I called XXXX and asked them to find more information about this debt because I've never had an account with them. They told me that I needed to give them my social to find my information. I was not okay with that because I know they don't have this information on file because I never had an account with them. I gave them the client Account # above. 

They send me monthly letters telling them they will take payments. I need them to stop. They are not reporting to any credit agency, but I do not owe them this debt and want them to stop mailing me that I do.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CT)

Dear Sir or Madam, This letter is intended to request the Honda Financial Services to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to Honda in person at their dealership at the time of the ownership closeout. Honda however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. Honda submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with Honda as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Co

mmission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC (MD)

A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/2018 and advised that their client was XXXX XXXX and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/18. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX  did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

This account ending in XXXX has been open many years with no activity at all. We kept the account open intentionally until on XX/XX/XXXX we were notified that there was an XXXX account set up using the card and charges were being processed on the card. This was not our activity and we filed a fraud claim with American Express on XX/XX/XXXX. They reversed the charges and told us that they closed the account at our request. Now in XX/XX/XXXX I start receiving account statements and notifications of interest increase on the account that was closed. I contacted American Express on XX/XX/XXXX and they acted like they had no idea what had happened on the account, or why it would be closed. They began playing games on the phone, acting as if they could not understand what I wanted or what had happened regarding the fraud. They left me on hold for extensive time while transferring to supervisor. Never got the supervisor and I was told by XXXX, the representative, they could not close the account.
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (TX)

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 r
eport 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 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have tried many times to get my credit report from experian online and they will not give it and I get shut down before I can even ask them what the problem is. They tell me to get it through the mail but I need it now not a month from now. THANK YOU
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My late Father executed a Security Deed for a residential property. Now which was duly recorded. Upon my Fathers passing his longtime female companion remained in occupancy of the home and continued payment of the mortgage to cover her permitted occupancy. We were informed that the mortgage was sold. As Executor of my Father 's Estate, I established contact with the Mortgage Company. They refused to provide a status of the mortgage account despite my presentation of a probated Will, proof of Executors authority and all other pertinent instruments to confirm Plaintiffs authorization. A Check for the mortgage which was cashed and not accounted. Additionally, another Check was returned by the mortgage company refusing to accept payment. They have subsequently sued the Estate to begin foreclosure proceedings one year ago. Recently, I received a letter and a check from the mortgage company for a refund of Escrow claiming that I requested it. That is a confirmation of their inaccurate accounting and wrongful actions as I nor anyone authorized requested a refund. The mortgage company 's actions violate the right of myself and siblings who are beneficiaries of the Estate for that reason I ask for your immediate investigation.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Essential Lending Inc (NM)

Someone has changed my debt amount XXXX. I have my case number your website is new ... ..the old website gave me a case number XXXX. I was just searching around to see if you might have information on what happened and what the loan amount was showing at the time of the complaint.
Consumer complaint received 2023-03-10
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: Navient Solutions, LLC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (OK)

XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX-XXXX XXXX  ( XXXX  ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX   credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.
Consumer complaint received 2021-06-02
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. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (MI)

I had service with XXXX over 10 years ago and now I collection name XXXX XXXX  is damaging my credit stating it was opened in XX/XX/XXXX and I didnt open an account at this time. 
XX/XX/XXXX Date Opened Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$430.00} Original Balance {$0.00} Highest Balance 1 Months Terms Apr XXXX On Record Until {$430.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Consumer complaint received 2021-01-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (CO)

I had my name legally changed from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX of 2020 and Loanpal is refusing to update their records despite numerous attempts to They also attempted to lie to me about how my name was displayed on my social security card and when I called them out on that lie they attempted to try and lie to me about my name on my credit report after I made sure all 3 credit agencies. They would then claim they updated the name on my account but they still have XXXX XXXX XXXX on my statements.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

REVVI/MRVBANKS/VT XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BLUEWORLDPOOLS XXXX XX/XX/XXXX SPEEDY CASH/CURO XX/XX/XXXX XXXX CASH/CURO XX/XX/XXXX KLARNA/WEBBANK XX/XX/XXXX
Consumer complaint received 2021-06-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

My wife was released from Bankruptcy by NationStar/Mr. Cooper in XXXX XXXX. Nothing outstanding and approved by lawyers from both parties. In XX/XX/XXXX, we see that we are a payment behind stemming from error made XXXX XXXX and are now getting fees. After 4 months, a member of the Mr. Cooper escalations team found a " reversed payment, '' incorrectly added to account while our payment for that month was processed and no monies returned. This was found on XX/XX/XXXX and noted by Mr. COOPER. XXXX XXXX looked and submitted statements to Mr. Cooper which they have in their posssesion which added to that days notes. I call at least 4 times a month with nothing but another research request which takes 3-5 days for response. I also get letters saying allow 30 and additional 15 days to research. I've received 4 of those letters with no response. Its showing one month behind with hundreds in fees. How is it that the payment behind is more than what I was paying then? I'm held hostage with no options.
Consumer complaint received 2021-12-09
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX of inquiry XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020