davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-08-15
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)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (FL)

EQUIFAX as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EQUIFAX has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EQUIFAX and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EQUIFAX. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable invoice is attached.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (GA)

I got an alert this morning XX/XX/2021 regarding something was added to my credit file. I checked my reports and notice a collection reporting on my XXXX and XXXX credit report from a company Consumer Adjustment Company I do not recognize. This company has violated my right under the Section 15 USC 1692e 2 ( a ) ( b ) false or misleading reporting FDCPA. I also never received any notice written notice or notice by phone phone that this was an attempt to collect any alleged debt, also my right to dispute this alleged debt was ignored. I have not validated this debt and only me as a consumer can validate any alleged debt.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

Regarding Freedom Mortgage loan : Old loan Acct number : XXXX and New loan Acct number : XXXX. I applied for refinancing of mortgage loan with the same company, Freedom Mortgage. Signed closing documents on XX/XX/XXXX. 

After multiple phone calls and emails to various departments, I was not able get answers and resolution to these issues. Issues of contentions are as follows : 1. I was not provided with an Payoff Statement and breakdown of charges at the time of closing. 
2. Payoff Statement that was provided at a later date had a different net dollar amount than what was stated in the XXXX Settlement Statement. 
Payoff Total Net : {$400000.00} ( Exhibit B ) XXXX Statement Payoff Net : XXXX ( Exhibit C ) Difference of : {$48.00} overpayment. 
3. Looking at the Payoff Statement provided ( Exhibit B ) -there were extra charges made on interest and late payment fee. 
Since we closed XX/XX/XXXX : I should only be charged with interest for XX/XX/XXXX to XX/XX/XXXX in the amount of {$1400.00} ( See Exhibit A ). However, I was charged {$2400.00}. There was an overpayment on interest in the amount of : {$1000.00} Furthermore, I was charged with a late payment fee of {$100.00} but no document was provided to me by Freedom Mortgage why I was charged with late payment. 
4. Lastly, I have sent my XXXX payment in the amount, {$2900.00} to my old account and it was received by Freedom mortgage XX/XX/XXXX. However, Freedom Mortgage returned it to me after two weeks but {$78.00} less than what I have paid. Since all XXXX charges have been added to the Payoff note, I should have been refunded the full amount of my XXXX payment. 

This is time-sensitive since Freedom Mortgage has sold my mortgage loan to XXXX XXXX. I would like these issues resolve before the sale transfer.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Received a yearly analyst report from the mortgage company telling telling me that the reason my house came went up almost {$50.00} was because my escrow was short and they wanted {$520.00} but that would only XXXX take the payment down {$9.00} there's so they didn't explain to me how they came up with the near {$50.00} increase on my house payment so when I received the new payment which would have been the XXXX payment my escrow was not short I have money in my My escrow was to start out after the analyst report at {$530.00} so then they wanted {$520.00} then like I said only lowering at {$9.00} a month would have put over a {$1000.00} into my escrow account before the year even started I do believe there's a little problem here I almost feel like it's a scam or fraudulent I'm on a fixed interest rate and alone principle is going down so why is the payment going up I need someone to explain this logically to a person who's not a banker number one I want to understand why every year this payment goes up XXXX XXXX XXXX {$50.00} every year when my interest doesn't change but my principal goes down and then they told me that they took it over XXXX months or XXXX XXXX thing to come up with this price I want to understand what they're doing because I feel there's fraudulent stuff going on here
Consumer complaint received 2020-12-08
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: JPMORGAN CHASE & CO. (SC)

There are unknown hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XXXX XXXX, BEST, on XXXX XXXX,XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Went to the Experian online page for a temporary lift of my credit freeze. After filling out all requested information and hitting " submit '' get error messages saying Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

but there are no such fields on the form. Most of the telephone help numbers listed are automated systems that can't address the problem. One, XXXXExperian turns out to be a credit repir service that offers to sell a membership/
Consumer complaint received 2022-06-23
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: ENCORE CAPITAL GROUP INC. (GA)

Referencing back to ComplaintXXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and Midland Funding of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX XXXX AND MIDLAND FUNDING XXXX I demand for XXXX to comply block and delete MIDLAND FUNDING because that account came from XXXX XXXX  that they removed from my consumer report. On XX/XX/2022 I sent MIDLAND FUNDING an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX MIDLAND FUNDING received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (NC)

I Have made numerous calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted again today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX today XX/XX/XXXX. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX regarding accounts Jefferson Capital System and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted XX/XX/XXXX on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX. XXXX XXXX XXXX,XX/XX/XXXX XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. XX/XX/XXXX is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.
Consumer complaint received 2021-01-21
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. (FL)

I have been back and forth like a ping pong ball regarding this current issue with XXXX reporting on my credit report.Ive already filed complaint with attorney general as well. I recently made a complaint with you guys that this account falls within the guidelines for the settlement with XXXX. I have a copy of the letter from XXXX in regards to my complaint against their agency. In letter Im attaching filer other complaint # XXXX their admitting that they have no information on this account. What is more scary is that Experian has constantly verified this account? Which means no thoro investigation has Ever been done by bureau Ive included copies of Experian verifying this account, despite the original company have no information or knowledge of account. Please assist me and look into this concern. Ive also noticed that your aware based on a lawsuit you have against XXXX of their faulty reporting please help me
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Late Payments on my credit report. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Braviant Holdings, LLC (CA)

XXXX XXXX XXXX retained XXXX XXXX, and filed a civil suit against me for an old debt from 2018. I negotiated a settlement with them for {$2000.00} in exchange for dropping the suit and settling the matter in full. I received a confirmation letter of the agreement, and a paid in full letter from XXXX XXXX, yet XXXX XXXX XXXX refuses to update the credit bureau as settled in full, and is instead insisting in their reporting to the credit bureaus that I simply made a payment and still have a balance due. They refuse to work in good faith to correct this and are intentionally lying and negatively impacting my ability to obtain credit as a result. A quick look on their XXXX reviews shows a pattern of behavior that indicates this is a predatory business.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (UT)

On XX/XX/2021, I sent an email to Novad Consulting to request a payoff quote and was advise that I would be receiving the payoff quote within 4 day But I never received the quote. I then called on XX/XX/2021 to confirm that my submission for a payoff request was processed but I was advised that no payoff request was on file, I then proceeded to once again request a payoff quote and again was advised of the 4 day timeframe. On XX/XX/2021 I once Again submitter a payoff quote to Novad And spoke to XXXX who assured me that I once again would get a payoff quote within 4 days. Ive sent numerous emails Two XXXX and have not gotten any response. On XX/XX/2021 I called Vovad 4 time waited on hold for 3 hrs and spoke to XXXX who stated that she did not have access to my account, I request a manager and was cold transferred to a female my the name of XXXX who kept repeating that she could not do anything but send an email to that department. I asked for the phone number to call The department direct and she said she could not give that information out, she then hung up on me and said I was finished. Reference call # XXXX
Consumer complaint received 2022-06-23
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. (GA)

Referencing back to ComplaintXXXX TRANSUNION is still failing to reinvestigate for the following accounts XXXX Bank and XXXX XXXX XXXX the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand TRANSUNION to reinvestigate and remove and block both accounts XXXX BANK AND XXXX FUNDING XXXX I demand for XXXX to comply block and delete XXXX FUNDING because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/2022 I sent XXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MO)

On or around XX/XX/2021 I disputed a transaction with Navy Federal Credit Union regarding this alleged debt. Navy federal Credit Union has yet to handling my disputed accordingly to federal law. On XX/XX/2021 I received a bill statement by medium of mail requesting an minimum payment of {$20.00} with a balance of {$7200.00}. I deny this allegation. Pursuant to 15 USC 1692g I never received validation for this alleged debt, and pursuant to 15 USC 1692c. ( c ) I refuse to pay this debt.
Consumer complaint received 2021-01-21
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FIRST INVST SVC/FIRST IN Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.