davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-30
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. (DC)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Phoenix Financial Service, for committing identity theft. I have never given Phoenix Financial Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Phoenix Financial Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Phoenix Financial Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Phoenix Financial Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Phoenix Financial Service any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Phoenix Financial Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Phoenix Financial Service, continues its collection efforts, I will file for litigation for actual damages caused and Phoenix Financial Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-11-20
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. (AZ)

I got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!
Consumer complaint received 2023-11-01
Product: Credit reporting 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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX RMC 557, SYNCB 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I participated in the COVID relief program from XXXX. Mortgage payment is {$1400.00} monthly. $ XXXX {$16000.00}. In the month of XXXX I entered a mental health/chronic pain facility for 2 months. Upon returning home I discovered that the forbearance period was up and that I owed for XXXX. Unfortunately I was waiting on XXXX insurance to pay out and fell a little more behind. Once I received my back pay I paid my mortgage in the amount of on XX/XX/XXXX in the amount of {$14000.00} to catch up for current months due and pay ahead. I also moved some partial funds to equal another months payment. After that I paid 2 more payments {$1400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX. At that time I was told my mortgage was paid ahead through XXXX first. In total I paid {$9800.00} which should have covered XXXX. I was advised on 3 different calls that my payments were being applied towards current months and that my credit wouldnt be affected by the forbearance amount and there would be no late fees or charges. During a conversation with Bank of America today I was informed that my home is in danger of foreclosure and that the monies Ive paid were applied towards the forbearance amount of {$18000.00}. ( Not sure why the difference between {$16000.00} which is 12 months of payment and {$18000.00} ). Even with payments made records from BOA show a total amount due of {$19000.00}. My credit score has now plummeted and late fees are high. There are so many discrepancies in amounts and payments applied and the representative did not explain so that it made sense.
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: Experian Information Solutions Inc. (CO)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.
Consumer complaint received 2022-03-30
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. (FL)

Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX  XXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX  XXXX XXXX is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX  XXXX XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.
Consumer complaint received 2022-03-30
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 (CA)

I had an account with bank of America and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from XXXX and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.
Consumer complaint received 2022-03-30
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. (GA)

Dear Consumer Financial Protection Bureau I recently received an update to my Transunion credit report on XX/XX/XXXX with XXXX added to my file. I have been battling with this company for years now and to date they have been unable to provide me any resolution and adding to my file destroying my creditworthiness. I am a victim of identity theft and Transunion takes this matter seriously therefore I am doing what the Transunion representative mentioned to do. 

I filed an original CFPB complaint in XXXX attaching my Federal Trade Commission Affidavit, and XXXX Police Report and was told by XXXX to send it again so that they can have the erroneous information removed. XXXX has been unable to provide me any documentation pertaining to the {$15000.00} amount reflecting that bears my signature nor ties me to any contract it's disappointing that a company would do such a thing to consumers. The company XXXX XXXX is destroying peoples lives and hurting my creditworthiness. It was deleted once and now 4 years later they are trying the same tactics. I hope that XXXX can see my hardworking in trying to fix my identity theft case and resolve this matter and remove this account please. 

Thank you Transunion for always helping me fight and you've been great at helping me fight identify theft. Identity theft is no fun and so very damaging. Thank you!
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (WA)

Thank you for your inquiry. The account in question was placed with PPA XXXX. Validation notification was sent to the address presented with no mail return. 

XXXX XXXX requested a copy of the bill XXXX. The bill was emailed to XXXX XXXX XXXX. 

XXXX XXXX contacted PPA via phone XXXX and indicated he disputed the account in question. PPA placed the account in dispute status and no further collection activity has been made. 

XXXX XXXX contacted PPA via email XXXX with his dispute information and the dispute was filed with XXXX XXXX XXXX on the same day. PPA responded to XXXX XXXX 's email dispute and indicated the account was documented, the dispute was filed with our client, and it could take up to 90 days for our client to respond. 

XXXX XXXX contacted PPA via phone XXXX once again indicating he is disputing the account. 

To date the account in question remains in dispute status. XXXX XXXXXXXX XXXX dispute has been filed with our client, verbatim, PPA has provided all documentation as provided by our client to XXXX XXXX, and currently our client has not responded with a resolution.
Consumer complaint received 2022-03-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

I mistakenly thought that I had another 6mos extension ( so I was told ). When I contacted the mortgage company, I was told that I was contacted via mail about the pending deadline. Dont remember seeing it come in the mail. 
My complaint is the company is making it very very difficult to work with. I was told that my forbearance was only 6 mos ( the mistake mentioned earlier ) and now I am being reported to credit reporting agencies. I was told that there was nothing that could be done about that. They would not let me pay online. The only way to pay is mail a check or call. I opted to call. I chose the call back option. I called between XXXX pm. My return call came at XXXX oclock PM! I missed it of course. Second call I chose call back, this time it was XXXX hrs!!! I then sent check through my banks bill pay. I sent it on the XXXX and the check bounced on the XXXX. I didnt check my account. I just assumed it had already passed. That is my fault totally. 
My main concern is Im afraid that the next time I hear from them, it will be the foreclosures department. Please advise Im helpless.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the XXXX, but I think I was a Victim of Fraud, I filed a dispute with XXXX and provided copy of all the email messages I had with the company that had mailed me the check.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohl 's Credit Card makes it difficult to pay your bills without your actual card. I misplaced my card in 2019 due to taking care of my XXXX XXXX. I always called to make payments, but numerous times I was put on hold by XXXX for longer than 15 minutes. When I tried to call corporate, I was not able to get through since I did not have my card number. By the time I ordered my replacement card, my bill was reported late 30 days. This happened again the following year. 

They also make it difficult to log into your portal online as they have a Credit Rewards program and a Kohls XXXX XXXX which look eerily similar but do not link each other 's information. On top of this, I never received any bills notifying me of the payment nearing a late charge.
Consumer complaint received 2022-03-24
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. (CA)

On XX/XX/2022 I discovered hard inquiries on my Equifax, XXXX, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX Bank XXXX : XXXX Bank ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially one that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX Bank, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with Equifax regarding XXXX XXXX XXXX. I have yet to hear back from them.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Accounts Service Team Inc. (OK)

Financial Account Services is reporting a paid balance of {$53.00} to XXXX. This account was paid directly to the original creditor before this debt was reported to the bureau. I never received proper notification of this debt as outlined by FDCPA 809 ( b ). I have requested documentation of verification by mail as of XX/XX/22 from Financial Account Services it is now XX/XX/22 with no response.