davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX 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. 
15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-29
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: TD BANK US HOLDING COMPANY (GA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included
Consumer complaint received 2023-03-09
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: Resurgent Capital Services L.P. (MS)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.
Consumer complaint received 2023-03-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

In XX/XX/XXXX I paid {$12000.00} to avoid foreclosure, Bayview Loan Servicing posted this amt. on XX/XX/XXXX w/ {$3200.00} placed in Unapplied Funds. How those funds were applied has not been explained. I received a statement dtd. XX/XX/XXXX stating next payment due XX/XX/XXXX for {$1500.00}. On the XX/XX/XXXX mortgage statement the next payment due date changed to XX/XX/XXXX and the payment amt. change to {$2200.00} with no explanation for the {$700.00} added as XXXX XXXX XXXX Bal. Since I was current I did not understand. I called customer service on XX/XX/XXXX requesting an explanation, I was told that my complaint was logged and someone would get back to me. However, I have since logged two addition inquires and have yet to hear from anyone. On XX/XX/XXXX I made a payment of {$1500.00} to be applied to the XX/XX/XXXX bill since that is when the statement stated as a due date. On XX/XX/XXXX I made a payment of {$11000.00} to be applied to the XX/XX/XXXX. The XX/XX/XXXX mortgage statement had a payment due date of XX/XX/XXXX which as far as I was concerned had been paid on XX/XX/XXXX however on the XX/XX/XXXX statement Bayview assessed a late fee {$56.00}. Bayview did not post a XX/XX/XXXX mortgage statement. On XX/XX/XXXX I made a payment of {$1500.00} for XXXX XXXX payment however on the XX/XX/XXXX mortgage statement I was assessed a late fee {$56.00}. They also report to the credit agencies that I had been 30 days late on my payments on more than once. From that point on it appears that Bayview Loan servicing has misapplied my payments or held them up. So much so that the {$600.00} payment I made on XX/XX/XXXX was not applied to the XXXX payment and because their statements are so complicated I can not tell when it was applied. By their records it appears that some payments were processed twice causing Insufficient funds fee in the months of XXXX, XXXX, XX/XX/XXXX and XXXX of XXXX. In addition from XX/XX/XXXX to XXXX XXXX Bayview added an additional {$71.00} to the required Escrow payment and from XX/XX/XXXX to XX/XX/XXXX an additional {$63.00} has been add to the Escrow payment for a shortage/surplus spread but the escrow projection does not add those additional amts. Bayview provides no accountability as to what the {$1300.00} has been applied to. On XX/XX/XXXX my homeowners insurance was paid in the amount of {$1700.00}, Bayview forecasted it to be {$1900.00}. The saving has not been credited to my account anywhere that I can see. On the XX/XX/XXXX statement Bayview states " misapplication reversal '' and shows a payment made in the amount of {$0.00} however in the month of XX/XX/XXXX I made payments totaling {$3200.00}. In my opinion Bayview Loan Servicing has misappropriated my money especially with the " extra '' money added into my escrow account. Holding mortgage payments in suspense is unfair to the customer even if that customer is late because Bayview continues to add fees.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NV)

This collection company I C System, located at XXXX XXXX XXXX in XXXX XXXX, MN XXXX, was sent two debt validation letters on XX/XX/2019. One of the letters was priority and needed a signature. The other letter was certified with tracking. The reason why I sent a debt validation letter is because this collection company continued to report information on my credit report and I never received a letter from the company. I'm not sure where the debt originated from, but to continuously report a debt owed without proof that I am the person who isresponsible is against the law. I'm not sure who this debt was intended for, but I am not the correct person. I sent the letter as a way to get the background information for this debt and to let the company know that until they provide me with the details of this debt showing I am responsible, they need to stop reporting this false inaccurte information. On XX/XX/2019 I C system, received both letters. The letter that required a signature was received by someone named, XXXX XXXX. I also show the certified letter was delivered on XX/XX/2019 at XXXX. On XX/XX/2019 I viewed my credit report and noticed that IC systems continued to report the debt to the credit bureaus, without providing me with the proper documentation. The demand letter also advised IC systems, that they had 30 days from the date on he letter, however i allowed 30 days from the date received for their response, along with all the requested information. The letter also advised that during this period all collection activity was to cease and desist and the company ignored this right. Under the Fair Debt Collection Practices Act, I have a right to request for valdiation of a debt, that is stated I owe. This is pursuant to 15 USC 1692g Sec 809 ( b ) by the FDCPA. The letter sent also stated that if IC systems continued to report the fraudulent information and invalidated information I would pursue legal action, which I am prepared to do as IC Systems is in violation of the FDCPA.
Consumer complaint received 2020-05-28
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (FL)

This agency was contacted XXXX to inquire on alleged debt. Advised that per the fdcpa I wished to exercise my right to dispute tje alleged debt and wished not to be contacted. 

I sent via priority mail a request for validity which arrived to them on XX/XX/XXXX. I got a letter dated XX/XX/XXXX stating they are ceasing collections just to be told on XX/XX/XXXX oh we are not. 

My written verbal cease n desist prohibits phone calls, not written communications yet CBE group wants to try and intimidate me. 

What they sent doesn't validate the debt and is a joke!
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

ON XX/XX/XXXX I submitted in a request to Lexis Nexis to provide specific details of the information that they share/report to the credit bureaus XXXX, XXXX, and XXXX  due to the fact iinaccurate information is being reported. On XX/XX/XXXX I received a letter from Lexis Nexis and they have failed to comply with my request and continue to report this information as well as maintain the information in their data for my profile.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AL)

Contact has already been made to the law firm representing this company. I am currently XXXX and have been notified of a certified letter sent to me that was unable to be delivered and notice left at my front door. I currently have military orders and I have proof of XXXX XXXX which will be attached to this complaint. 
With my permission I had someone contact the name on the notice left which led me to our local court where information was given in regard to the certified letter. The letter is about a court hearing or something in that nature. One, I am unable to receive a certified letter, two, there is no way to sign a letter and three, I am protected under the SCRA. 
My orders and proof of XXXX have been sent to the court as well they were informed I am XXXX and will not be able to accept any documents or letters addressed to me as I am not currently in the country. 
My XXXX orders have also been sent to the law firm representing this company.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

I sold my house in XXXX Maine XX/XX/2020 ( closing ). On XX/XX/2020 the closing papers and payoff funds ( {$190000.00} ) were wire transferred to TDBank, XXXX, XXXX XXXX department. I did check with my closing agent to see if this was done correctly and it was. As of today, XX/XX/2020 my mortgage balance still shows unpaid in my account. I can't believe that they have not had time in 2 weeks to payoff my mortgage. I am so afraid they paid off someone else 's mortgage. 

Around XX/XX/2020 I had contacted them by the " send us a message '' feature in my online account. I did ask what my escrow balance, to be refunded was and asked when my balance would be paid off. I did receive a reply about the escrow balance but he said they were very busy and he did not know when the mortgage would be paid. 

We have been married for 50 years now and have had 3 other mortgages in the past, I have worked for over 20 years in banking and in neither situation have I heard of a mortgage balance not being paid off within a short period of time. I find this very unsettling. On XX/XX/2020 I contacted them again and asked that they pay me the interest earned on my {$190000.00} ( XXXX -payoff date ) when they finally decide to payoff my mortgage. Never received a reply. I also, have not received a courtesy letter from the bank explaining why it is taking so long to payoff my mortgage. 

Is this the normal for todays mortgage closing??
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Chase has not resolved my dispute with a merchant that owes me credit. Chase incorrectly disputed the wrong item with a different date, Dispute was lost as Visa had determined the documents referred to an item with a different date. Chase did not call me back nor bother to fix the problem. This issue can still be fixed as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I was unaware of an account opened in my name. Im a victim of the equifax breach as well as identity theft. Ive disputed it with all 3 credit reporting agencies and its coming back as a charge off? The only way to contact this debt collector is a P.O. Box. Recently  I found out it was a XXXX XXXX card that was opened in XXXX of 2018. I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported 4 charge offs on this amount of less than {$500.00}. Ive asked for proof of everything and nothing is getting done, its making it worse.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( 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 the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I made a double payment in error for the month ofXX/XX/XXXX on my mortgage with CIT Bank. I contacted the bank to correct the issue and specifically asked to apply the extra payment to my XX/XX/XXXXmortgage payment. I specifically asked that the bank not mail a check for refund as I did not trust that the check would reach me. CIT Bank reversed both of my XX/XX/XXXXpayments then indicated that they have mailed a check for the overpayment.
Consumer complaint received 2023-03-09
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. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX   school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.