davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Convergent Outsourcing had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I am a XXXX XXXX provider but due to the Covid 19 pandemic lock down there was literally zero business.During the lock down I did not work for more than a year and applied for government mandated mortgage forbearance plan which was approved as well as extended. 
This XXXX i started working and i tried to resume my mortgage payment. The bank refused to accept regular monthly payment and demanded me to pay back the full forbearance balance at once, which is more than XXXX XXXX dollars. 
I did not work for more than a year, i asked the bank for deferment of the balance, which they denied verbally over the phone, stating my lender does not offer deferment. 
Then the bank asked me to apply for loan modification, which they denied as well. 
My home loan was modified back in XXXX during the real estate market disaster, my bank keeps referring to those policies. 
This is year XXXX, there is a global pandemic and financial recession, how could the bank ignore current situation and base their decisions on XXXX. 
I am in a position to resume my home mortgage payments, it will be possible only if the bank is willing to work with me. 
I applied for modification which was denied based on the XXXX modification, this is unrealistic and unfair.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (OH)

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

Please provide the certified mail with receipt, which show I was aware of this debt. 

There are violation of the Fair Debt Collection Practice and Fair Credit Act Account : ASSOC CREDIT SERVICES # XXXX
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (MS)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

I spoke to a customer service representative today regarding my XXXX card, XXXX XXXX card, XXXX card and my wayfair account. I requested the special payment program as explained to my husband per a recent phone call. I was XXXX  over the past 45 days after I contracted XXXX in XXXX 2020. My husband attempted to contact Comenity Bank on several occasions during my illness to make a payment on the account or to discuss the account and options that might be available. I understand my husband is not on my accounts, however, he attempted to explain the situation and only asked that the customer service representative document the phone, which they did not. Comenity bank has since reported the delinquencies to the credit bureaus prior to me being able to contact them directly. I am requesting that Comenity Bank please remove the 30-60 day delinquencies that are currently being reported in good faith. While I understand this is common business practice, I also understand the current state of the pandemic and that many individuals, like myself, will be impacted by the late payments and my future ability to obtain credit. XXXX XXXX, the holder of my other credit accounts, was beyond compassionate and immediately removed any delinquencies from my credit file as well as any late fees associated with these accounts. I am asking for your compassion to do the same
Consumer complaint received 2020-05-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

Champion Mortgage is listed as a predatory mortgage co. Not my words but true. My XXXX property taxes were mailed to the wrong address by my living will, living trust attorney, therefore I did not receive the property taxes. Champion Mortgage contacted me and my daughter threatening foreclosure. I called them and made arrangement for payments. I made the payments and have records that they received these payments. They have been harassing and threatening me and my daughter ever since. XXXX. XXXX   allows the taxes to be paid in three payments, Champion does not. I had this happen on a rental property as well. They were wrong and it was rectified.
Consumer complaint received 2017-10-18
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: Convergent Resources, Inc. (TX)

I 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with XXXX XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (NY)

Applied for credit with Wells Fargo. I received a letter from them with application number. On the letter they said that they could not identify me, the applicant. I went on all three credit reporting agencies, XXXX XXXX, XXXX and XXXX XXXX to check my personal info. It was all correct. My question to you is, was I denied because of my age? My life partner was also denied. The amount was for XXXX dollars. Neither of us have never been denied credit. Both of credit scores are XXXX and XXXX.
Consumer complaint received 2022-03-29
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: Conduent Incorporated (MI)

XXXX  XXXX XXXX have never sent me anything in writing or provided any statements and I need them all evidence you have in writing about all my account under ssn numbber XXXX and any evidence you have of accounts on the XXXX cards. Please provide any details you have about your texts coming to me as ( XXXX ) XXXX XXXX and explain it to me what it is all about. under case case no. XXXX was 10 percent lies in addition were instructed that, I INFORMED XXXX XXXX THAT IF HE WANTED TO FILE A CLAIM HE CAN CONTACT THE CLAIMS DEPARTMENT AT XXXX XXXX. 

But every time I call I am rejected so please contact them and let them know that the resolution department resolution specialist regulatory complaints in a letter authorized the filing of an claim by XXXX XXXX XXXX XXXX so that I am no longer being illegally denied. 

XXXX at bottom of the letter.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MO)

This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 
Rescission of Contract. 
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX   ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 


They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2024-02-29
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. (PA)

Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with Equifax and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MO)

This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. 
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX  ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2020-05-07
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. (OR)

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have sent 4 letters to Experian attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. Experian and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2020-09-21
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)

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Consumer complaint received 2017-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CO)

Real Time Resolutions ( RTR ) currently claims they hold the collection rights to my HELOC. They claim that the total amount due is {$88000.00}, but I disagree with that figure. They have refused to provide accounting records to prove up debt owed. The balance on the debt was {$44000.00} a few years ago, so there is no legitimate way the debt could have grown to to the alleged {$88000.00}. I have demanded the accounting ledgers via Qualified Written Request ( QWR ) and RTR has failed to respond. Per RESPA law, RTR is required to respond with clarity to any QWR per 12 US Code 2605. RTR has also claimed that corresponding interest rate is 12 %, but has failed to provide valid proof of the rate. Based on the original mortgage note we signed, the interest rate was 4.5 %. I feel cheated and deceived by RTR and I am seeking your assistance on this matter.