davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (GA)

Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help
Consumer complaint received 2021-05-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

About a month ago I noticed 2 alleged collection accounts furnished on my credit report the alleged debt collector happened to be ( and still is ) Credit Collection Services. I Sent my dispute to Credit Collection Services on XX/XX/2021 it was delivered on XX/XX/XXXX. Credit Collection Services did not respond until XX/XX/2021. This late response is the reason Credit Collection Services is in violation of Title 15 1692G ( A ) for failing to send a notice to me in the first 5 initial days of My dispute. 


In my dispute I requested them to provide the original agreements with signatures of all parties to the agreements with me and the alleged Original Creditors i.e. " XXXX XXXX '' # XXXX and " XXXX  # XXXX -Credit Collection Services failed to respond to my request- I also requested Credit Collection Services prove that these alleged debts are accounts as defined in Title 15 1693-2 which governs the procedure on debt collection- Credit Collection Services failed to respond to my request therefore Credit Collection Services is in violation 15 USC 1692E-2 ( A ) by failing to validate this alleged debt as an alleged " collection '' yet furnishing it on my credit report as one is falsely implying its status.

I also requested the date of first major delinquency, The date of last activity, and the date closed - Credit Collection Services failed to respond to my request- Credit Collection Services is in violation of my state 's statute of frauds ( According to California law [ Cal . Civ. Code. 1624 ], ) by failing to provide the original agreements with me and the alleged original creditors with signatures of all parties to the agreements of two alleged debts furnished on my credit report instead, on they had XXXX XXXX  One alleged original creditor send me a " Statement of the account '' which is not what was requested by me. Credit Collection Services has yet to send me any information on the alleged XXXX  debt therefore failing to respond to my request or validate this alleged collection account entirely Upon further research, I discovered that Credit Collection Services does not have the right to collect debt in the state of California therefore this alleged debt collector is violating 15 USC 1692E-1
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I posted washer and dryer for sales on XXXX XXXX XXXXt for {$1200.00}. I was contacted via cellphone number XXXX XXXX XXXX to email the buyer XXXX and XXXX if my w & d were available for sales. Then the communication continued via e-mail - with the same person responding from both e-mails. And the alleged husband of the buyer called me several times from the cellphone number XXXX XXXX XXXX ( I have calls recorded on an app ). This alleged buyer, the lady who e-mailed, said he sent a check via UPS to my home address, and when the check arrived she said there is more money on the check ( {$3000.00} XXXX as her assistant mistakenly added the movers fee on the check that was mailed to me. Then she told me to cash in the check, which I did using my mobile phone on XX/XX/XXXX, and that I can give the difference of {$1800.00} to the driver ( mover ) when they get there for pickup of w & d. Once the check was visible to me as cashed in 3 days on my bank account ( bank mislead me by showing that check is cashed ), I went on and sent back the difference of {$1800.00} ( two transactions XXXX by XXXX XXXX to the mover who they gave the me e-mail for as : XXXX, with name XXXX XXXX as a mover to receive this fee. To my surprise, on the morning of XX/XX/XXXX, 7 days after I see that the check I cashed listed by my bank as rejected ( bounced back ) by XXXX and them my bank took away from me the {$3000.00} labeling it XXXX RETURN ITEM CHARGEBACK, and they also charged me {$12.00} listed as XXXX RETURNED ITEM CHARGEBACK FEE. I called the bank 7 times on XX/XX/XXXX and explained what happened to me, with them telling me that this is likely was a fraud. All of the sudden the cellphone XXXX XXXX XXXX is non-functional number anymore at XXXX pm on XX/XX/XXXX, even though I left them a voicemail message on my first call on XX/XX/XXXX around XXXX XXXX am telling them that check bounced back. Due to this fraud the scammers stole from me {$1800.00} from me, so please help me in any way to get my money back and catch and punish the fraudsters. 
My bank 's, i.e. the Bank of America 's customer service will not help me. I called them 10 times and as soon as I found out that they ( my bank ) charged me i.e. took away {$3000.00} from me since the check bounced. I even talked to the manager of Fraud Dept. and they all are not willing, capable or are incompetent to protect me and help me get my money back. Update on XX/XX/XXXX : I have reason to believe that the fraudster might actually be living in the XXXX XXXX XXXX region in New York XXXX as I received text messages from XXXX XXXX XXXX and from another cellphone XXXX XXXX XXXX to ask as an allegedly another customer whether the washer and dryer were still available for sales. I suspect this was the " secondary check '' to confirm I took the bait and took off the items from XXXX XXXX XXXX and marked them as sold.
Consumer complaint received 2022-11-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX  XXXX XXXX Balance : {$230.00},
Consumer complaint received 2024-02-04
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. (SC)

XXXXXXXX XXXX XXXX XXXX, EXPERIAN, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Consumer complaint received 2021-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (TX)

On or around XX/XX/2019, XXXX  XXXX placed a collection on my XXXX  credit file. Upon further research, I found out this account transferred or sold and I am is no longer responsible for the account. XXXX XXXX has failed to show details about age and of the debt from original creditor, a detailed explination of any interest added or payments and legal authorization for this interest, the date the original creditor claims this debt became delinquent. According to the FCRA, XXXX XXXX  has violated my rights as a consumer. I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (DE)

The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (FL)

in late XXXX due to Covid employment issues, I contacted our mortgage company to inquire about an arrangement due to loss of income due to Covid. The bank informed us they were giving us three months to not make payments and we can do a loan modification to have the three months added back into the loan. Seemed fair. We afterwards received some documentation telling us were in forbearance. I attempted to reach the bank multiple times about the loan modification process and my eagerness to get the process started n completed. I heard nothing. After multiple calls to the bank Cross Country Mortgage. I finally spoke to someone who told me, that we would be contacted bout the loan modification n in the meantime go ahead n start making our payments again in XXXX as planned. And so we have. I had to call in XXXX n inquire why the bank reported late payments to the credit bureaus when due to Covid we were told that wouldn't be the case. The bank told me it would be taken care of and that shouldn't have happened. I also disputed these issues with the credit bureaus and it was removed. Now, I can't make a payment online n I call n they tell me I requested to be moved to loss mitigation n no loan modification was requested. What?! I've attempted over a dozen calls to the bank n the poor " horrible at their job '' customer service rep gets angry at me and acts like I've done something wrong n says I called in XXXX saying I couldn't make payments, when I had paid in time both XXXX n XXXX as initially instructed. What's going on over there? I've had to request again a loan modification from Cross Country Mortgage today XX/XX/XXXX. They've misled us as customers, can't give me anything in writing upon our conversation n now they're treating us like bad borrowers when we've met every obligation agreed to on our end. We simply want to resolve the Covid relief period, do the loan modification as initially offered n continue making our payments each month like we always have ( minus the three months from XXXX XXXX, as agreed upon due to covid-19 ).
Consumer complaint received 2021-07-06
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: AES/PHEAA (IL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

No action was aken by the company Oportun or credit reporting agencies. I called and explained numerous times that these accounts were inaccurate and did not belong to me as I am a vivctim of Identity theft. I attempted to get these items removed from my credit reports and submitted several disputes. No disputes were successful and inaccurate reporting really hurt my credit score and has really affected the way in which creditors look at my credit. I was even declined an apartment due to innaccurate reporting from Oportun and credit reporting agencies. I have sent credit reporting agencies ( XXXX, XXXX ) and Oportun disputes in writing and proof that I am a victim of identity theft by including identity theft police report.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCP Holdings, L.P. (TX)

I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Consumer complaint received 2021-05-25
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. (CO)

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX, Experian and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Consumer complaint received 2020-09-08
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. (GA)

I have spoken with representatives from Equifax and XXXX  that my auto loan is paid in full as of XX/XX/2020. I was advised that the account would be updated XX/XX/2020. It is still not updated. 

There are also several accounts that have been closed because they were paid in full but have not been removed from the account. They are very old accounts that never seem to go away.
Consumer complaint received 2020-11-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Navient constantly calls me while I am at work, they just XXXX my phone with back to back calls. Even when I have no payments owed, or after asking them not to on AT LEAST 4 occasions. They are literally putting me at a disadvantage to earn money, and keep pestering me to make payments, even when nothing is owed at the time. This is harassment.
Consumer complaint received 2018-12-04
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. (NC)

On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Consumer complaint received 2021-07-16
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: PNC Bank N.A. (NY)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.