davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

In late XXXX, I noticed an outstanding balance of {$7400.00} on my XXXX XXXX XXXX account. I was concerned about this amount as I didnt recall accruing such charges. 

On multiple occasions between late XXXX and early XXXX, I contacted XXXX XXXX XXXX  customer service to seek clarification on the outstanding balance. During these interactions, I was referred to the generic wireless service agreement on XXXX XXXX XXXX website and was told to use my bill as the definitive proof of the debt. However, I found this information insufficient to explain the charges in question. 

Around XX/XX/XXXX, the account was handed over to Credence Resource Management, a collection agency, to recover the outstanding amount. I promptly disputed the debt with Credence Resource Management and requested a detailed breakdown of the amount owed, a copy of the original contract or agreement, and verification of their authority to collect this debt. 

Despite my requests, the collection agency failed to provide the requested documentation. However, on XX/XX/XXXX, Credence Resource Management informed me that the account had been recalled by XXXX XXXX XXXX. 

Subsequently, I continued my efforts to resolve this matter with XXXX XXXX XXXX but was met with the same generic responses. I was neither provided with a clear explanation of the charges nor any of the requested documentation to validate the debt. 

Feeling that my rights as a consumer were not being respected and the lack of transparency from XXXX XXXX XXXX and the collection agency, I escalated the issue to the Federal Communications Commission ( FCC ), XXXX, XXXX, and XXXX to dispute the debt and seek resolution. As of now, the issue remains unresolved, and the lack of documentation continues to leave the validity of the debt in question. 

I am seeking the assistance of the FTC to help resolve this matter and ensure that the companies involved adhere to fair and transparent practices in line with consumer protection laws.
Consumer complaint received 2019-08-19
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: Experian Information Solutions Inc. (MD)

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - 09/07/2015, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX  Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I downloaded the certified letter that I sent to XXXX XXXXt which explains in detail what I'm disputing. Briefly, I bought ~$40  worth of items from XXXX XXXX  inXX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XXXX and XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXXafter the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I retired from XXXX in XX/XX/XXXX and took my life's savings andon XX/XX/XXXX, I purchased a rental property from Countrywide.  My monthly payments were $XXXX. which allowed me to make a profit by renting the house out. Then, in XX/XX/XXXX, Bank of America took over Countrywide.  They immediately added over two hundred dollars to my monthly payment which caused me to suffer financially but I still struggled and continued to pay them as agreed.  Not only did they increase my monthly payment but they increased the principal balance by nearly ten thousand dollars additional to what I agreed to pay Countrywide.  When I heard of the :'Loan Mods', I inquired to them about possibly getting one for my situation.  Especially since they just abruptly increased my monthly payment and I now lived on a fixed income.  Surprisingly, they said yes and to not pay them until they figured out the new monthly payment.  Approximately two months passed by and on XX/XX/XXXX, they illegally foreclosed on my property without my knowledge of it.  I try'd calling them when I hadn't heard from them after the first two weeks and all the BoA contacts that I had numbers for were no longer at the extensions that they gave me. I have statements and proof that I payed them faithfully up until XX/XX/XXXX, because that is what they instructed me to do!!!  I was not even told that they had set me up for foreclosure.  I went to my property only to find that the locks were changed and there was a foreclosure sign on the door..  All my appliances, which I purchased brand new, new air conditioning unit, furniture and complete rehab, - ALL GONE!!!!  Since then I have suffered many. many mental illness episodes.  I am currently being treated for XXXX.  I have been hospitalized several times and I am finally getting myself together  in hopes that maybe someone cares to right all of the wrong thatBank of America has done to me.  I have lots of documented proof!
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~XXXX worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX  explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX  to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Consumer complaint received 2023-10-18
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)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

I mailed 7 payments in 4 different mailings over the last 3 months that never posted to my account, a total of {$11000.00}. PHH Mortgage Company became a new company or merged with XXXX XX/XX/19 during this time period. 

I have called daily for the last 2 weeks following up on their claim to be looking for the payments. I faxed the attached cashier check stubs.. They found one check of 2 payments and returned them a few days ago saying they will need all the payments to be together to bring the loan current. The other 5 payments whereabouts are 'being investigated ' but every day no progress. They sent me a 'Intent to Foreclose ' notice 2 weeks ago that alerted me to this problem. 

I can stop payment on the remaining checks and send them all in together, ( {$12000.00} ) but their failure to handle these checks according to their own policy has resulted in late fees that I should not have to pay since these payments were received and not posted.
Consumer complaint received 2019-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19 mortgage application with Bank of America was processed and loan estimate was agreed upon both verbally (via phone) and in writing (confirmation for rate lock) at XXXXXXXX. However, the next day (XX/XX/19) it was requested that I write an email to loan officer falsifying that I had been offered same interest rate by competing bank in an effort to justify Bank of America extending and confirming their offer the day prior (XX/XX/19). This request was unethical as there had been no discussion about said competing bank offering the interest rate. When questioned about the request, the loan officer implied that this would be the only way I could get my desired interest rate and continue in my application process. When the loan officer was questioned about the previously discussed and confirmed interest rate from afternoon before (XX/XX/19) it was then discovered that in fact the rate had not been locked in and it would only be locked in if the email was submitted in writing for his records. This represented a very compromising position as I was in escrow and didn’t have much time to waste. However, I refused to falsify records for the sake of protecting the loan officer from the judgment of his colleagues and the leaders of mortgage sector of BOA. I requested that the bank honor the offer that was extended onXX/XX/19 but this request could not be granted. As a result of this unethical practice I ended my mortgage application with Bank of America and had to find another lender during the escrow process. It is unfortunate if this represents a common practice by banks to compete for business by requesting potential customers go on record with a lie to protect their officers. I would like to go on record with consumer financial protection bureau to make them aware of this unethical mortgage lending practice as it appears it may be common practice.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

Midlan founding is harrasing. Me whit lawyer calls and whit a falls impersonation of a lawyer . I also don’t ever open this account was a fraud open back in 2015 by some one else and damaged my credit was reported on 2015 as a fraud by my local law enforcement RD#XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have filed disputes with transunion, XXXX and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call XXXX explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at XXXX explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I reached out to Portfolio Recovery in XX/XX/2019 to request the removal of this collection account from all 3 credit agencies after completing a 3 month payment plan. They agreed to this on a recorded line twice. During the original conversation, the agent read a script to me that stated that not only would this account be removed but all accounts under my same name and information. The final payment was completed in late XX/XX/2019. As of today XX/XX/2019 the account is being reported as settled, but not removed as we had originally agreed upon. Also, since contacting them, they are now sending me collection letters for my deceased father.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Consumer complaint received 2019-08-18
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. (NC)

I am an XXXX Military XXXX that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with Experian credit services and XXXX. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the XX/XX/XXXX and Experian website. As of today's date XX/XX/2019, still no response or update within 30 days from XX/XX/XXXX nor Experian. Now, I am requesting this be rectified through CFPB. As a military XXXX  that holds a top-secret clearance, it is imperative that this is resolved before I become a victim of theft identity. Thank you
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (PA)

I was shocked and appalled when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (NJ)

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX {$0.00} XX/XX/XXXX 13 )  XXXX {$0.00} XX/XX/XXXX 14 ) XXXX  {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (MI)

Reported an account that's paid. Reporting inaccurate information on another account. Stated that they'll accept payments but could still report to credit bureaus. Said that I'd have to pay in full to prevent negative reporting to the credit bureaus. I'm on XXXX and the amount owed is more than a months earnings for me. Was told I should pay them and ignore new medical bills. If I ignore new bills, they'll end up here and will be reported.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

One Main Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX continues to use harassing tactics by calling from multiple branches throughout GA and AL. I have received 9 calls from various numbers since XX/XX/19. I have looked up every number and they all say One Main Financial. As I block a number, they call from a different location.I have spoken with them several times to voice my concern about the harassing calls but they continue. They told me they can call several times a day. I have gone online and scheduled a payment for XX/XX/XXXX. I owe {$320.00}, I've scheduled a payment for {$250.00} today online. Leaving {$78.00} balance to make me current. The payment has to show on their end. I can't believe that they have continued to call me additional times today, XX/XX/XXXX, since I set up the online payment. The calls come from different branches. The numbers they have called from so far are attached.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Consumer complaint received 2019-08-21
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. (TX)

XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (WA)

The caller said we owe on a XXXX account. 

We don't have a XXXX account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is American Coradius International LLC When talking with XXXX, they stated they can not look up anyone 's account to see if what I'm saying is true.
Consumer complaint received 2023-10-17
Product: Credit reporting 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 XXXX Account # XXXX XXXX XXXXhas 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