davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (IL)

I received notice my loan was to be transferred to a new lender in XX/XX/XXXX. I then received notice that my escrow account was reassessed increasing my monthly payment almost {$900.00} a month. This adjust came one month after my account was adjusted {$1.00} per month. When I contacted the lender I advised them that the county tax bill for 2nd installment has not been issued yet, the rep said it had so I asked her to send me a copy. She put me on hold and then advised this was an estimate. I then explained that we received a disability exemption that was approved in XXXX for XXXX and XXXX taxes and we also won a tax appeal. She said they can send this info to their escrow department to review the escrow. The account was denied an adjustment and a letter was mailed to me. I received this letter on XX/XX/XXXX and immediately called the lender to get my options. I spoke with a Supervisor who said I would qualify for removal of my escrow and she would create a work order and send this to the escrow department with a rush. I was advised this would be completed by XX/XX/XXXX, but in the event this did not get completed there would be an order added to my file that would be sent to the new lender. Over the next 5 days I called every day to see if the order was completed. On the final day I learned that this was not completed but was again told this work order would be in the document file that is sent to the new lender. I contacted the new lender on XX/XX/XXXX and they advised my file would not be to them until XX/XX/XXXX, but they would put in the request to have the escrow removed. I called the new lender back on XX/XX/XXXX and they said they still did not have the file but once I could see the account on the app, they should have the file. On XX/XX/XXXX the account was active on my app so I called the lender, I was advised there was a letter mailed to me with instruction on how to remove the escrow account and I would need to pay a fee of {$330.00}. I was never advised there was a fee so I asked to speak to a manager. I received a call from customer advocacy and they reviewed my concerns and contacted their escrow department. On XX/XX/XXXX I received a call from the new lender and they advised that there was no documentation sent to them from my old lender about the escrow work order. They would be willing to look at the documentation by the original lender should have held back the loan to complete my request. I contacted the old lender and they advised me that they were never going to complete my request to remove my loan, nor would they have held back the loan. I explained I was advised by multiple supervisors and staff over the last few weeks that this would be a non-issue to get this done. I am asking for the old lender to make this right, pay for the fee that was put upon us due to their incompetence.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Javitch, Block & Rathbone LLC (TN)

On XXXX XXXX I was notified that Javitch Block LLC was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report under XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX, and XXXX ) XXXX the debt that they were claiming I owed.This debt has been sold numerous times and I actually received a letter from XXXX  claiming they gave this alleged debt to a company by the name of XXXX XXXX  XXXX XXXX XXXXAlso some time after I received another letter from Javitch Block LLC claiming they were the ones collecting this debt as debt collectors for XXXX  which I was not notified about prior by XXXX  as they did for XXXX XXXX XXXX ( whom also are not licensed to collect debt in my state of TN according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) ( but Javitch Block LLC, through summons , are claiming they're attorneys for XXXX XXXX  ) false or misleading representation WHOEVER they are they also pulled my consumer report without my consent.Everyone needs written consent by consumer per FCRA and GLBA.no need for consumer report also invading privacy.This alleged account has also been constantly reporting charged off every month and is also written off/charged off.There can not be a balance due on a charged off account and when it's been written off for taxes.That is a 1099c tax form.Time went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the FDCPA 15 USC 1692 Sec 809b ) to XXXX XXXX debt collector or attorney ( Javitch Block Llc- whom is NOT licensed to collect debt in my state of TN and also retrieved my consumer report with out my consent or acknowledgement ) .As time continued I still had not heard from any one of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the 3 CEOs of the three credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.Still to this day no one has responded back to me as requested.this would be unwilfull compliance from everyone connected to the alleged debt.
Consumer complaint received 2022-09-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc. (TX)

This is a notice to cease and desist all communication in attempt to collect this debt unless it is a response to provide me with my specified remedy. This company is required by law to do what I am demanding. I am asking your company to cease all communication with me through any and all mediums in regards to the alleged debt that is claiming to be owed unless you are invoking a specified remedy that I am asking for. According to 15 usc 1692a ( 2 ) - the term communication means the conveying of in information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral, electronic. Therefore my consumer report to which you are furnishing is bearing information regarding this alleged debt which would be a communication under the FDCPA. 

I am hereby providing you formal notice to cease and further communication regarding this account immediately which includes telephone, email, social media and any consumer reporting agency in which you have furnished information. 

Any further contact from your agency except a communication confirming your acknowledgment of any letter or specified remedy is a direct violation of the Fair Debt Collection Practices Act. 

I am also asking for compensation of {$1000.00} for this alleged debt being reported onto my consumer report which is harming my reputation and violation of 15 USC 1692d ( 1 ) any bad debt furnished onto my consumer report causes injury for me to provide for my family. 

If you do not cease communication and remove derogatory information from my consumer report a lawsuit will be commenced upon your company for compensatory damages
Consumer complaint received 2022-10-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

Complaint CHASE SECTION 1 : CHASE claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put CHASE on notice. 

I gave CHASE an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a XXXX  account, aka the XXXXXXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX , making I the ORIGINAL CREDITOR of any transaction that took place. CHASE never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION 2 : CHASE has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. CHASE admit that I am the original creditor and source of the credit being utilized. 

2. CHASE leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

3. CHASE reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

4. CHASE pay for all fees and fines associated with this matter. 

5. CHASE pays me {>= $1,000,000} in damages. 

6. CHASE is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Consumer complaint received 2022-10-14
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. (NC)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my XXXX XXXX account to payoff the loan for my XXXX XXXX XXXX XXXX. To date XXXX XXXX has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The XXXX XXXX website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
Consumer complaint received 2022-09-28
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-19
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. (NJ)

On XX/XX/2022 I requested Method of Verification from Experian regarding an ongoing dispute. As per my FCRA rights I requested a copy of the procedure, who was contacted ( I was clear that I did not want an e-oscar verification ) as the information NEVER gets updated. I have been unable to get any responses, written or otherwise from the mortgage company XXXX XXXXXXXX XXXX XXXX ) over the past 3 years of my dispute. 

Experian did NOT provide any information to me, in fact, what they did was open yet another dispute to the mortgage company with the exact same results as the past 3 years of disputes. It is clear that Experian has no intention of adhering to the FCRA requirements as it pertains to my request for information. 

I would like them to provide the requested information, or, delete the incorrect item ( which is scheduled to be deleted next year anyway )
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from my credit file : 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  Amount : {$0.00} Additionally, I request the removal of the following inquiries as they were made without my consent : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-12-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

RECEIVED CAR WEEK AFTER GETTING CAR IT WENT INTO SHOP CAUSE THE ENGINE WENT I INFORMED COMPANY TO COME GET CAR FROM SHOP THEY REUSED TO COME GET IT WHICH MADE A STORGE BILL FOR THE SHOP CAR IS STILL THERE TIL THIS DAY I BELIVE
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX.The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.