davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/21, I sent SchoolsFirst FCU a letter stating the following information pursuant to 15 USC 1692g ( b ) : The alleged debt of {$3900.00} is disputed. 

They received the letter on XX/XX/21. See Exhibit A. 

On XX/XX/21, I received communications from SchoolsFirst FCU in the form of an Account Summary. They did not cease attempts to collect on the disputed debt of {$3900.00} for 30 days until they obtained proper verification of the alleged debt, or provide me with the name and address of the original creditor, pursuant to 15 USC 1692g ( b ). They continued to send bills in the form of an Account Summary on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. See Exhibit A. 

On XX/XX/21, I filed a Small Claims case against SchoolsFirst FCU. See attached. 

On XX/XX/21, I received communications from XXXX  stating that the disputed debt in question was DELETED. See attached. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of phone calls at very inconvenient times without any prior consent given directly to them to do so, which is a violation pursuant to 15 USC 1692c ( a ). See Exhibit B. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of a letter, using obscene or profane language, threatening to report this account to the credit bureaus. By doing this, they have ruined my general reputation as a consumer. SchoolsFirst FCU is in violation of 15 USC 1681. See Exhibit C.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ACCOUNT RESOLUTION SERVICE plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$130.00}
Consumer complaint received 2021-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I have had mortgage forbearance through the Coronavirus Aid, Relief and Economic Security ( CARES ) since XXXX as it has been extended until XX/XX/XXXX. A white envelope has mailed by the mortgage company arrived which contained Mortgage Modification documents along with other documents required to completed by the NOTARY PUBLIC OFFICER. 
I have taken such documents for the Notarization as directed and mailed completed documents within said due date to the mortgage company in provided stamp free envelope. The required documents has notarized and mailed twice in different dates after talking back and forth without resolving errors & delayed in process to complete Loan Modification has caused Rejection by the MORTGAGE SERVICES. 
I noticed on my credit report that my mortgage company is reporting monthly to the credit bureaus that my balance has increased. In addition my sons and my score dropped XXXX points. My credit reports now say my mortgage balance is over {$16000.00} more than I actually owe. I read that " As part of the Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. Also adding incorrect information, and decreasing my credit score due to this erroneous information? 

One final note Our account XXXX myself & my sons ) in good standing when the forbearance began. 

I would like explanation on error from MORTGAGE Company on following issues as follows. 
1. MISCOMMUNICATION WHILE PROVIDING INFORMATION TO COMPLETE MODIFICATION DOCUMENTS. 
2. FAILED TO PROVIDE SIMPLE & CLEAR POINT TO POINT INSTRUCTIONS IN BASIC ENGLISH FOR NOTARY PUBLIC OFFICER. 
3. AS CALLED TO SPEAK WITH THEM ( WHO EVER PICKUP PHONES ) UNABLE TO SPEAK CLEAR ENGLISH TO BE UNDERSTAND ). NOR UNABLE TO PROPERLY RECTIFY ISSUE BY SAYING, THE COMPUTER SYSTEM IS SLOW, THE MODULE ARE NOT FULLY LOADING ON THE COMPUTER AND APOLOGIES REPEATABLY WITH OUT LISTENING & SOLVING THE ACTUAL ISSUE. 
4. ALSO WHEN EVER HAVING PHONE COMMUNICATION FIRST WORD COMES OUT OF THERE MOUTH IS DEMANDING FOR THE DUES WITH THREADING. 

I would like this matter to be rectify in professional manner in the COURT OF JUSTICE to teach such company a lesson by revokes their license to practice in the STATE OF TEXAS for minimum of 10 years.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX  have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Consumer complaint received 2021-08-11
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it may concern : I went to the bank to find out that capital one decided to end our over twenty year relationship that I had faithfully even when the bank was XXXX XXXX. Im selling golden retriever puppies and Im a victim of fraudulent cashiers checks that were sent via XXXX  to my house. I had no idea that depositing these checks would result in the current situation Im in today. I even called capital one after I deposited them to inquire what would be a good release date to ship the puppy to the client. I was informed by visiting a branch today that capital one no longer wants me as a client. Ive already called and canceled my direct deposit paycheck I will be going elsewhere. 

A matter has been brought to my attention this evening from a friend who asked me if I canceled or try to send him a XXXX request. I did no such thing as I cant even securely login to my account. This matter needs to be addressed immediately. Listed below is a screen shot of the XXXX. Obviously, capital one isnt secure and I guess these scammers are now hacked into my bank account. 

I will be contacting an attorney for the way and lack of communication that capital one has had with me. The embarrassment that I went through and the mistreatment where capital one treated a XXXX plus year client as a fraud. 

Im also listing the correspondence from what I assumed was legitimate people wanting to buy a puppy. 

I recommend with your lack of security and ability to help your clients, that you terminate all my account immediately. Let this email serve as a fair warning that someone is trying to request XXXX  payments that is not me or not authorized I have filed a police report with my local sheriffs office. XXXX XXXX XXXX Sheriffs office Deputy XXXX radio number XXXX. Case number XXXX. 

All the above correspondence was emailed to XXXX Capital one case number is XXXX Ive also sent all screenshots from my phone either text messages or email communications from the potential buyers/scammers.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion explaining that I had sent them the identity theft report that they requested but once again another stall tactic stating that the document was blurry. I am again asking that these fradugelent inquires be removed from m credit report.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (MA)

There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

Experian & XXXX BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And Experian especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

Experian makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reported on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2021-08-11
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: General Motors Financial Company, Inc. (VA)

Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX  and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX  continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.
Consumer complaint received 2021-08-11
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. (MA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

This company is trying to collect {$31.00} for an account over 17 years old! They dont even have my last name, just mailed it to XXXX XXXX at my current address. This was for XXXX XXXX XXXX XXXX. I told the collector I hadnt had that service in over 15 years and that the statute of limitations had expired many times over. 

Now theyve mailed another for XXXX XXXX. I did have XXXX  within the last 20 years but that was 3.5 years ago and XXXX sent me a refund because Id paid my final bill before my deposit was applied. I didnt address this one with them because Im already inundated with calls from XXXX and other unidentified numbers, even though Ive had this phone number for 16 years and been on the do not call list since its inception. 

The collection company is ERC, XXXX. XXXX XXXX XXXX fl XXXX. The phone number they give is XXXX. The correspondence address they give is XXXX XXXX XXXX XXXX fl XXXX. 

My credit report shows an on time payment rate of 100 % and I dont want it damaged over {$31.00} from 17 years ago when I no longer have records to prove I did or didnt pay this bill. This company is acting outside of the law and their tactics are sketchy and corrupt.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

hi thanks for this service the problem is with Paypal I was working on XXXX until PayPal limited my account for 180 days ( that's what they say ) because so far I have {$1400.00} blocked in my account after 18 months of the last transaction I have included a screenshot ( they say 6 months you will be able to withdraw ) The problem does not allow me to add a bank or visa to withdraw I have contacted them a hundred times without any response or effective solution
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In previously filed a complaint w CFPB regarding the way my loan was being serviced, esp during COVID 19 hardship. I asked to have a new point of contact assigned, as my contact, XXXX, had given me incorrect information & I felt was biased towards me. I received a letter from SLS advising me of my new Point of Contact, but the customer service number provided was only for messages & when I called the alternate number for customer service provided on the recording I was told that XXXX was still my account rep & they had no idea who the person listed on the letter from SLS was. I am requesting the correct contact for my Single Point of Contact & the opportunity to apply for a loan modification plan. More time has gone by now that I was given the wrong information & it will affect my loan modification eligibility. Also in the previous complaint response, I was told to submit a loss mitigation package, but no package was sent to me.
Consumer complaint received 2018-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I received an alert to credit report to discover a collection agency by the name of ICU Systems listing a debt for {$110.00}. I am extremely upset. I never received anything from this letter, just a shocker to see it listed on my credit report. I tried to resolve this with XXXX XXXX XXXX. My issue was that XXXX XXXX XXXX was charging me for services in which I did not have with them. I tried to produce the documents showing that I was receiving service with XXXX during the time XXXX XXXX XXXX was billing me. XXXX made an error and instead of porting the phone number, they assigned me another phone number for my landline service and internet. So, I did not have XXXX XXXX XXXX during the period in which they were charging, therefore not owing XXXX XXXX XXXX. I am asking this company to remove this debt from my credit report. It is not a valid debt, nor did I have the opportunity to speak with this company before seeing this debt posted on my credit report to inform them of the situation.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The McHughes Law Firm, LLC (AR)

District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt McHughes Law Firm PLLC was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672.

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by McHughes required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges.

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.