davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Select Portfolio Servicing received an insurance payment covering a water damage claim on XX/XX/year>. A check was overnight mailed to Select Portfolio Servicing, in the amount of {$32000.00}. This payment as directed by our insurance provider was to simply be endorsed by Select Portfolio and returned to us in order to pay the contractors and begin the repairs to our home. The check requires 2 signatures, one of Select Portfolio as the mortgage company, and one by us as the homeowner. Select Portfolio has now held the check for XXXX week without any actions to complete the process. We have been waiting for XXXX months now to begin our home repairs, and the current actions by Select Portfolio are furthering the wait time for the repairs to begin. We have begun receiving collection calls from our contractor because of the additional delays caused by Select Portfolio. We have spoken to Select Portfolio on multiple occasions, and no one seems to know what the answer is to move forward. Apparently, there is a cap on the amount that Select Portfolio will endorse, and our total including the original mitigation costs exceed the cap by {$300.00}. We have been told that our check will be held for at least another 5 business days in order for them to review what needs to be done. We have been told that our issue is being expedited, yet they have held the check for a week now and are still playing games and delaying our home repair process. By the time a decision is made by Select Portfolio, it will have added another XXXX weeks of delay to our family moving forward with home repairs. Our question is what is the reasoning for the delay? Select Portfolio states they have a financial interest in our home, yet we hold a bigger financial interest, and majority of the loan, so why would Select Portfolio not want the home repaired immediately? Select Portfolio has been highly unprofessional, and extremely unethical in handling a legitimate insurance and homeowner claim.
Consumer complaint received 2022-09-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a document that appears to be a bill. It is from a company called Convergent. They are collecting {$110.00} on behalf of XXXX. I have never had such account for any services or purchases. The first time I called Covergent ( the debt collector ), they refused to give me information unless I disclosed my social security number, which I did not so they hang up on me. The second time I called, they gave me a bunch of addresses where they say I have lived before but none of them were mine. They asked for my phone number in case I got " disconnected '' from the call, and also asked for my SS # again. I did not give the information and told them I would be reporting this incident.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.
Consumer complaint received 2023-03-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items that are currently listed on my credit report. I have recently reviewed my credit report and have found several negative items that require your attention. I am requesting that you either provide me with clarification regarding the information listed or delete the items immediately from my credit report. 

Firstly, regarding the following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account names and numbers listed are questionable. I request that you either clarify the information to me or remove these accounts immediately from my credit report. 

Secondly, the following personal information is incorrect : XXXX and XXXX. These are not my employers, and I demand that they be deleted from my credit report immediately. 

Furthermore, I have no recollection of authorizing several inquiries that have been made on my credit report. Specifically, I demand that you remove inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report immediately. 

Lastly, I request that you either clarify or remove the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires clarification or removal. 

I am requesting that these items be removed or clarified as soon as possible. Please provide me with written confirmation of the actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (CA)

I would like to formally submit a complaint against this company for several violations, including their failure to provide validation proof of the alleged debt. I request once again that this company provide me with the requested documents. Additionally, I ask that the CFPB and other consumer protection agencies review this matter.
Consumer complaint received 2017-03-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (TX)

In reference to CNAC-TX XXXX # XXXX account. 
Check issued : XX/XX/2017 for {$2100.00} as paid in full. 

To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. 

If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.
Consumer complaint received 2024-05-16
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 (SC)

The company is PayPal. I have had an account with them since 2017 which I rarely use. I recently received an email stating that due to unusual activity my account was frozen. I requested that my account be closed. They refused, saying that to make any changes to the account I would need to send them a photo ID, proof of residence and banking statement. I have been notified by others that my personal and financial information was found on the dark web as a result of a data breach at XXXX XXXX XXXX. I do not have a balance at PayPal, and I am reluctant to provide sensitive information to a business with whom I no longer want to do business. Repeated emails and phone calls to PayPal continue to elicit refusals to close my account until I provide the requested information. 
Please advise PayPal to close this account immediately. 
Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2017-10-13
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)

This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Financial Credit Services, Inc. (MI)

During my personal investigation of this American Financial Services being on my XXXX report even after countless efforts to get them to cease reporting the debt, I became aware that they are not allowed to collect debt in the State of Michigan without being licensed. Reporting information to a credit bureau is widely upheld as a collection activity, and as this is being reported to XXXX, I consider this unlicensed and unlawful activity.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached. 

They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Consumer complaint received 2022-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank has yet to provide me with a 1098 mortgage interest statement ( it is now XX/XX/XXXX ). I have spent hours on hold with them, been disconnected multiple times, and went to visit a branch in person twice, and I still have not received this form. I am nut sure how to pay my taxes without this form.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (TX)

I was contacted by XXXX I was told I have debt from 2014 for XXXX when I contacted XXXX they advised it was from missions trails they also said the debt was only in the XXXX when I contacted the debt collection and ask why they are trying to collect more, the rep insinuated it 's due to the debt was sold to a collector as if there is a charge for it. I knew they buy the dept for sometimes pennies on the dollar so I advised I contact them back on that debt. They have other debts from over XXXX yrs ago they keep trying to collect and I keep telling them I 'm not aware of and I 'm not able to verify with the original creditor so I do n't believe they are mine and will not be paying them. Then they sent me two letters showing the incorrect amounts from the one hospital that actually had a true debt I owed.
Consumer complaint received 2020-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I don't remember the exact day but I know that it was a few days after XX/XX/2020. I told my bank ( chase bank ) that I was scammed out {$600.00} for a room that was up for rent on XX/XX/2020. They said they couldn't do anything about it but mark the account that was used in the scam as a scam account.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NAVY FEDERAL CREDIT UNION (MD)

This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (OR)

I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX