davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
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: Navient Solutions, LLC. (MS)

I am the consumer and this complaint is filed by myself with no other third party. XXXX and XXXX  likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and XXXX I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX and XXXX as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND XXXX  continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.
Consumer complaint received 2017-06-01
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: Experian Information Solutions Inc. (MD)

I have sent 2 lette rs requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to n agate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this claim must be inves tigated properly and efficiently.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

This is regarding a {$71.00}  XXXX  bill from over  3-5 yea rs ago. This collection was paid in cash at a  XXXX  store in  XXXX ,  XXXX  on  XXXX   XXXX   XXXX . This collection has been removed and relisted on my  credit score 6   times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My   XXXX   credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit became servicer of this account on behalf of Asset Acceptance, LLC on   XXXX   XXXX ,  XXXX . Prior to this, it was a credit card account with  XXXX   XXXX   XXXX  originated on  XXXX / XXXX / XXXX  according to the records.  <P/> According to the court order, current debt exceeds {$13000.00} and o n three ( 3 )  occasions attempts were made to debit my  XXXX  bank account for ALL outstanding funds. (  XXXX ,  XXXX  and  XXXX  levy #  XXXX   ). As I was not aware who was servicing the account or made an order to debit funds from my personal a ccount, I do not believe this needs to rightfully be paid back. Though I did make attempts to contact midlan  d Credit corporate lawyer on three ( 3 ) occasions, with no return phone calls from their corporate office.
<P/>
Midland Credit claims the last payment received o  n the account ( by   XXXX   XXXX  f  XXXX   )  was on  XXXX   XXXX ,  XXXX . If that is the case, it is currently beyond the statute of limitations in the state  of NJ ( six years, currently it 's over seven ( 7 ) years ) and debt should be forgiven.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

After the CARES act went into effect in 2020, I called Navient on XXXX/XXXX/2020 to ask what I could do as I have 2 FFELP loans and they say federal in the title. I was told it's considered a private loan even though it's federal protected but it's not a federal student loan and that I didn't qualify under the CARES act. I asked if there was anything I could do to essentially have the loans to be considered a DE federal held/serviced loan. They said I can refinance my loans but that won't make them federal but it will make them private and may reduce my payments. 

I told them I did not want this option as that did not make sense for me to do. 

However, I just learned that I could have consolidated my 2 FFELP loans into a Direct Consolidation Loan which then would make them fully federal loans and as such this would have made me eligible for the CARES act and received the 0 % interest during this time and I could have not had to have been having to pay for my loans without penalty. 

I've been paying for the past 2 years with interest on something that I didn't have to if I was provided accurate information. Instead either by malicious design by the company ( to keep my loans with Navient and me paying ) or by accident ( agent truly was not educated or trained to this information ) and as such did not provide accurate and complete information to allow me to make an informed decision. I paid an additional {$2900.00} ( plus accrued interest ) in the past 27 months that I wouldn't have had to due to the CARES act. 

I'm very frustrated as if I had been informed of this option, I would have done just this back in XXXX of 2020 to save myself and my family money that we could have spent on our day to day living. 

I consolidated into a Direct loan this morning ( to be covered under the CARES act as well as the loan reduced under the Biden Administration 's Student Loan Debt Relief Plan ) but still upset that this should have been presented to me as an option back in 2020. That would have meant that I could have not had interest during this time ( increasing my student loan cost ) I would love for all the interest to be removed from my loan due to their inaccurate information. I called Navient to get answers, clarification, choices and was led astray and it costs us thousands.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: ENCORE CAPITAL GROUP INC. (MI)

The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ). 

MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent. 

While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer. 

I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive.

I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit. 

At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment. 

Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.
Consumer complaint received 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (OK)

This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-06-20
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. (GA)

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from   XXXX  .
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Date Assigned XX/XX/2019 Account Number Open PORTFOLIO Recovery Original Amount Owed {$440.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting 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 Report act. ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-03
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: HUNTINGTON NATIONAL BANK, THE (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with Huntington Bank until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to XXXX as I was XXXX at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment.

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus.

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan was originated by XXXX XXXX XX/XX/21 with the first payment due XX/XX/21. I made the first principal and interest payment of {$1000.00} by check directly to XXXX and the check cleared XX/XX/21. 
XXXX then transferred the loan to Shellpoint and I made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. I then made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. 
Shellpoint then claimed that a payment of {$1300.00} made to XXXX prior to the loan transfer was rejected by my bank and they reversed the payment that I made to Shellpoint on XX/XX/21 for XXXX Note there was no payment of {$1300.00} made to XXXX that was applied to my account so they reversed the payment that I made to Shellpoint. 
I have submitted documentation that all payments due XXXX, XXXX and XXXX cleared my bank but Shellpoint refuses to correct the error and they have provided no documentation that a payment was rejected by my bank. Their explanation is simply that XXXX informed them that the bank rejected my payment.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I do not have a contract  with IQ. DATA INTERNATIONAL .I am not liable for co llection this debt fro m IQ DATA INTERNATIONAL. I am not respo nsible for this debt.     Desired Outcome : Correction to a credit report DELETE FROM CREDIT REPORT. they can not sell the debt to another agency, they will not disclose the information to any third party, they agree to delete from all   XXXX   credit bureaus, they agree to not post it as a settled account, and that the payment is accepted as payment in full.     As previously pointed out to you,  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX  , defines  Verification as,   Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document that proves the accou nt ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must hav  e 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the   XXXX   previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available   to m e ( Section 616 & 617 ) if you fail to comply with Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.   In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accordance with the fair credit reporting act XXXX acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, Transworld Systems Inc. contacted me via mail to collect a debt from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to Transworld Systems Inc. using a modified version of a form letter from the CFPB informing them that the debt was already paid alongside information on how merchants can locate payments and documentation from my virtual credit card vendor and my bank indicating that the payment was processed and the money removed from my bank account. The letter also requested documentation that give them good reason to believe I still owed the debt. On XX/XX/XXXX, I received mail from Transworld Systems Inc. again seeking to collect the debt with no additional documentation supporting the debt. Additionally, there was no indication that they had attempted to determine if the debt was still owed or not.