davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, XXXX XXXX XXXX. XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-08
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: Santander Consumer USA Holdings Inc. (IL)

I am victim of XXXX XXXX  XXXX XXXX XXXX XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and Santander Consumer USA {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (AL)

I received my 1st letter ever from AFNI Collections on XX/XX/XXXX about an account I owed XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. In the letter they wanted to offer a settlement and stated I had 30 days to call them to dispute the balance or validate the debt and if I didn't respond it would be placed on my credit report. 
I immediately contacted AFNI Collections. I was told by the representative that it was an account from XX/XX/XXXX that was from a address of XXXX XXXX XXXX XXXX, AL. I told them that I didn't owe XXXX XXXX XXXX anything and I can not even remember the account, but I do know XXXX XXXX XXXX was placed into Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX and was not discharged until XX/XX/XXXX. I informed them that the home was put into Chapter XXXX and all debts for that address was placed into Chapter XXXX. The representative became aggressive and said they just received the account from XXXX XXXX XXXX XX/XX/XXXX. The representative took down my attorney name, XXXX XXXX who was my bankruptcy lawyer at the time, I gave them the information pertaining to my bankruptcy case in which XXXX  shouldve already had. There were violations that have now taken place by AFNI & XXXX XXXX XXXX. I was told by AFNI that they were returning the account back to XXXX XXXX XXXX on XX/XX/XXXX but as of today I received an alert from all 3 credit  bureaus that AFNI has reported this XXXX XXXX XXXX account as a collections of {$1100.00} to my credit report and I just disputed it on XX/XX/XXXX after I received my 1st letter which is not even past 30 days. I called AFNI and complained and the representative tried to refer me back to XXXX XXXX XXXX, but they were the ones who reported it after the fact I informed them I was protected under the Bankruptcy Law. I then asked for a supervisor whose name was XXXX who asked me to email XXXX and to tell my situation. She stated she would request an investigation as to why this was reported to my credit report and it had not even been 30 days. She too confirme that this was the 1st letter that they had sent me, and she wanted to know if their notes show I filed bankruptcy and they were suppose to investigate as of XX/XX/XXXX then why nothing was halted to prevent such measures and why report occurred before 30 days. This should never happen to anyone and AFNI collection tactics are aggressive and they are not following the 30 day law nor bankruptcy law when it comes to collection accounts.
Consumer complaint received 2020-03-18
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. (UT)

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans. 

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA . 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

my mortgage was transferred to shell point from XXXX XXXX loan servicing on or about XXXX XXXX but prior to and long before it was transferred to shell point my loan was in loss mitigation in a on going short sale, when it was taking over by shell point in XXXX after sometime i received a letter stating that shell point was the servicing company for the loan so i contacted them and was told that my documents where being upload into there system and it would take 30days for that to happen and asked to check back after that time period, and i did so after that, i spoke to shell point and was asked to send in the updated listing agreement and letter of dispute of value which was sent on XX/XX/2020, and was told it would be reviewed about week later a was told that new a appraisal would need to ordered, well about mid XXXX everything shut down because of the COVID-19, but that didn't seem to stop shell point from disobeying the state mandate to stop all foreclosure proceeding as well as the California homeowners bill of rights that all foreclosure action is to cease while the borrower is in the mist of loss mitigation, shell point didn't request any other documents until after they filed a foreclosure NOD, so it was a clear disregard for the law and flat out lie that my file was not in loss mitigation because XXXX had stopped all foreclosure action when they had the file.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

Beginning with my XXXX payment ( they bought loan in XXXX ), they stated I did not make the payment and I provided them with the proof of payment. They advised that the loan number was wrong, however, I copied it from the letter they sent. They also stated they would remove the late fee of {$49.00} which does not show to be removed as of this writing. I reported them to the XXXX  and they advised the XXXX  they removed the payment on XX/XX/2020. I spoke with a representative again shortly after I changed homeowners policies because my escrow went into the negative. The representative advised that since the tax disbursement ( which they paid 3 months late ) and the homeowners were recently paid, he stated that I would be able to catch the escrow " back up '' with no changes to my payment or account. On XX/XX/2020 they made 2 disbursement payments for {$140.00} and the history showed - {$140.00} insurance disbursement and then - {$140.00} escrow. If this was applied to escrow, why the negative notation? Also, 2 payments for the same amount on the same day, they couldn't explain. These disbursements were prior to changing my homeowners policy. Then on XX/XX/2020 the same : - {$140.00} insurance disbursement ; - {$140.00} escrow. The representative could not explain what these were or where the money was applied. Additionally, my payment went up {$110.00}, even after the last representative assured me it would not. Their website does not show where funds are applied or deducted just simple notations with no explanations. I have had to call regarding problems every month for the last 4 months.
Consumer complaint received 2019-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX  military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.
Consumer complaint received 2020-04-24
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. (WA)

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, Equifax, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to XXXX XXXX, Equifax, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to Trans Union, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to Trans Union, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Consumer complaint received 2020-04-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Coast Servicing, Inc. (IL)

I have start receiving collection notices from West Coast Serving , Inc. This debt that they are asking me to repay was discharged in bankruptcy. I have informed this company of my bankruptcy. This company purchase this account from XXXX XXXX XXXX XXXX XXXX XXXX shortly after I filed a claim with CFPB.
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Consumer complaint received 2020-04-24
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: SELECT PORTFOLIO SERVICING, INC. (WA)

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : Select Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that Select Portfolio Services has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want Select Portfolio Services to report my perfect payment history to XXXX XXXX, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (FL)

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as XXXX XXXX XXXX for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

You need to get this XXXX off immediately as it is not authorized and damaging to me and XXXX be actionable for statutory damages and punitive damages.. XXXX XXXX XXXX   XXXX, XXXX XXXX , XXXX XXXX , XXXX., XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry