davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-03-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivable Management Group, Inc. (GA) (TX)

XXXX XXXX no acoount number cause i didnt know it happened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX got XXXX  and went to the XXXX. i just learned the they put a XXXX $ collection on my credit which i had no idea the XXXX  would do that the name of the collection RECEIVABLE MGMT GROUP and according to 15. U.S.C. 1692C the violated my rights by unlawful communication so please remove this from my credit account
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I do not owe any Debt nor Have I ever had an Account with " I C SYSTEMS COLLECTIONS '' I have Resolved this matter With the Original Creditor. 

To Whom It May Concern, I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely,
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (IL)

On XX/XX/XXXX I made a mortgage payment as requested PHH mortgage company. I was sent to a XXXX store, directed to the return department, sent XXXX barcodes and my debit card was debited XXXX dollars. I have the dated, timed, transaction and confirmation numbers.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc. (MS)

on XX/XX/2022 I received a letter that I have attached showing that this company even after reporting that this debt is false and misleading. This company repeatedly sends correspondence information asto this debt is owed by me. I am tired of this company sending information about a debt that I have repeatedly asked for verification of the debt and they refuse to send it. The continue to send a ledger of the account and not a signed contract with my signature on it indicating that I owe this debt. 

I want a SIGNED CONTRACT BETWEEN ALL PARTIES INVOLVED! 

I WANT CANCELED CHECKS TO SHOW WHO WAS PAYING THE RENT AT THE TIME BECAUSE MY SIGNATURE NOR WAS A BANK ACCOUNT USED WITH MY NAME ON IT TO PAY ANY RENT. THE STATE OF MISSISSIPPI WAS RESPONSIBLE AND THE MANAGER OF THAT PLACE KNEW THAT! 

PROCOLLECT HAS YET TO PRODUCE THAT!

WHAT A DEBT COLLECTOR CANT DO!

What are debt collectors not allowed to do?

Collectors cant harass you. For example, collectors cant threaten to hurt you may not use obscene or profane language cant repeatedly use the phone to annoy or harass you Collectors cant lie. For example, collectors can not tell you that you owe a different amount than what you actually owe may not pretend to be an attorney or from the government cant tell you that youll be arrested, or claim theyll take legal action against you if its not true Collectors cant treat you unfairly. For example, collectors may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can cant deposit a post-dated check early can not publicly reveal your debts, including by sending postcards or putting information on envelopes This company has repeatedly contacted me with threats about this bill and im tired of them.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was looking for an apartment to rent and this person named XXXX XXXX who claimed to have an apartment property in XXXX XXXX XXXX XXXX, IL XXXX. She currently lives in XXXX XXXX so she wanted to go through XXXX  for security purposes on both parties while she is overseas. I agreed and sent me a link that seemed exactly like XXXX. On the link I had information that required a {$2800.00} deposit to move in for a 2 months rent ( $ XXXX ) and a security deposit ( {$950.00} ). Upon agreement I asked why the wire transfer with the account numbers was through a person named XXXX XXXX in Alabama. She explained that it was XXXX and they have a contract through them and once i send the money i will have a contract through XXXX and will get the keys to move in and rent out the flat. So i transferred the money and received an email receipt and an invoice through XXXX or thats what i thought. The wife transfer seemed suspicious to me and how XXXX never responded for further instructions. I then went on the real XXXX website and contacted customer support to confirm my reservation. Sure enough the customer agent rep told me they couldnt find me and told me the link i provided to them was not theirs but looked exactly like their company. She advised me to contact my bank right away because it has been happening a lot to other people and its what they call phishing. I contacted my CHASE bank right away as it was still under pending and made a claim. They reassured me that the transaction is under investigation and since its under a pending review, the transaction should be on hold until claim is done with investigation. This morning i saw the payment was no longer pending and it went through but Im not sure why if they atleast tried to reversed for a recall. Chase bank kept giving me the run arounds that one department is able to help me but at the end nobody can help. A rep also mentioned that the only department that can help me is the wiring transaction department but that they are closed since the pandemic started. How is that my fault and why cant these sort of scenarios that need escalations be escalated? So my claim for a SWIFT recall from Chase bank to XXXX XXXX ( XXXX XXXX XXXX ) hasnt even started and that is why the transaction is no longer under pending. Every time i called XXXX, no representative is able to help me with this case or refused to at least try and help me find information to reach the wire transaction department to recall me back my {$2800.00} which could have been prevented if they had at least one representative that were able to handle this type of situation. No manager, no department knows how to help me and am getting passed around with no solution which is unacceptable when they are working for a company that is responsible for their consumers money.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (FL)

XXXX in conjunction with XXXX XXXX, XXXX BANK AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX in conjunction with XXXX XXXX, XXXXXXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Consumer complaint received 2022-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Scratch Services, Inc. (GA)

XX/XX/XXXX : Received notification that the mailing address for checks would change on XX/XX/XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Received reminder notification that the mailing address for checks would change on XX/XX/XXXX *Please note that no late payment notices were sent between XX/XX/XXXX - XXXX XXXX XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment posted to account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Notice 30 day past due XX/XX/XXXX : Payment Sent XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Posted to Account XX/XX/XXXX : Payment Sent XX/XX/XXXX : Contacted Scratch via email after multiple chat attempts and phone calls. At this time, I was receiving notices that my account was delinquent, but my account showed a {$0.00} payment due. 
XX/XX/XXXX : Last Payment processed XX/XX/XXXX : Payment Sent XXXX XX/XX/XXXX : Scratch reports account 30 days past due for XX/XX/XXXX, this action drops my credit score XXXX points XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch responds to my inquiry ( a month later ) with a copy paste of the same email received XX/XX/XXXX - with no further information. 
XX/XX/XXXX : Receive notice account is past due XX/XX/XXXX : Received notification from XXXX  XXXX XXXX, that payment from XX/XX/XXXX was Void due to not being processed XX/XX/XXXX : Sent email to Scratch asking why my payments are not being processed. 
XX/XX/XXXX : Payment Sent XX/XX/XXXX : Scratch updates credit file as " Current '' XX/XX/XXXX : Received response from Scratch pertaining to a PPP Loan, no response to inquiry. 
XX/XX/XXXX : Cancelled Payment for XX/XX/XXXX due to non-response from Scratch ; Amount shown due is {$290.00}, the payments from XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX total {$220.00}. I paid the account bi-weekly and made up any difference with extra payments by the end of the month. 

Through this entire process, I called Scratch at least once every couple of days. They do not call back, I have never reached a person on the phone. I attempted to use the chat as well - no response on chat. I was able to get a copy of the transcript from today where I was in Queue Position 1 for 1.5 hours. The company has not posted any payment sent via Bill Pay since XXXX. They are not on social media, so I am unable to contact them in that way as well to speak about my account and concerns. The information in the Borrowers Portal does not match notices sent. There is 0 % communication available to me as a Borrower to have this concern resolved internally so I have had to resort to reporting their practices to whatever entities I can.
Consumer complaint received 2021-11-28
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. (UT)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX XXXX
Consumer complaint received 2021-11-28
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. (IL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

This is follow up complaint previously submitted on XX/XX/2020 ( XXXX ) against Nationstar Mortgage ( dba Mr. Cooper ). Unfortunately, you have closed the previous complaint without any resolution. I spoke to your staff around XX/XX/2020 and he agreed that the issue on my complaint has not been addressed by the respondent and I've been advised to submit another complaint or seek legal counsel. I am taking this route for now. 

On XXXX XXXX, 2020, I sent an an email to Ms. XXXX XXXX, the respondent of the complaint from Mr. Cooper company to follow up if she can address the issue on the complaint, but to date, she has not responded. In that email, I explained to her that I was overcharged interest when they closed my mortgage after a refinance. Prior, I had been paying my mortgage regularly on the XXXX of the month, which in this case, last payment occurred on XX/XX/2020. Our refinanced mortgage through XXXX XXXX XXXX XXXX closed on XX/XX/2020. Mr. Cooper charged me interests for the whole month of XXXX. I believe I should have only be charged interest from XX/XX/XXXX to XX/XX/XXXX. There was no other arrears involved because I had never missed nor delayed any payments..
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud. remains on my file with the last investigation. Based on the previous information, I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Consumer complaint received 2021-11-28
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: CITIBANK, N.A. (CA)

I filed three disputes with Citibank on three credit card transactions after a foreign airline cancelled my flight but wouldn't refund all of my charges. Citibank said I lost the dispute because I didn't respond quickly enough to messages they placed in their online " dispute center ''. However, they never notified me that I had messages and need to go to their website to view them. Additionally, even after the merchant said they tried to refund me but that Citi rejected the refund Citi refused to help me. Citi tells me to go to the merchant, but the merchant says the problem is with Citi. Citi does not acknowledge receipt of emails, does not communicate when there are new messages and closes disputes in favor of the merchant without making any attempt to protect the customer.
Consumer complaint received 2021-11-28
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: DISCOVER BANK (GA)

I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision. Wells fargo In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision.
Consumer complaint received 2021-11-28
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX