davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX plans XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the XXXX. I do not owe {$62.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX as well. XXXX and XXXX have validated and removed accordingly.
Consumer complaint received 2022-10-05
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. (HI)

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. 

XXXX : XXXX XXXX  : XXXX XXXX XXXX NY : XXXX XXXX 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 2022-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I have received ZERO communication from company Midland Credit Management and they have violated my rights. They showed up to my rental property and served papers regarding my debt to my Tenants violating my right to privacy. 

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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. 

These have all been violated by the company attempting to sue me for this debt in which I have received no communication on.
Consumer complaint received 2021-04-03
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2022-10-05
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: JPMORGAN CHASE & CO. (MO)

GOODWILL LETTER I contacted Chase Auto Finance back in XXXXXXXX XXXX XXXX. I explained my medical hardship death accident and financial hardship i spoke with a representative and explained my situation I was told no past due payments were reporting at the time. The representative gave the full balance at the time no late fees were attached to the balance. Chase applied two late fees and one miss payment to my credit report which has put me in a tremendous hardship for purchasing a home and a vehicle which I extended my lease with chase for a XXXX extension in XXXX and was granted that do to my good payment history. Chase did not contact me by phone per my request and never asked about updating my information at all. If I were notified by phone this mis payment would have never happened at all. Since then, I have sent in proof of XXXX XXXX trauma appointments, my son 's XXXX  and now my XXXX test results. I had already made arrangements with Chase Auto Finance under CARES ACT and have deferred payments moved to the end of my lease term. 

I am severely stressed and suffering from XXXX and this is keeping up at night because I have 4 months to finance another vehicle and find a place to live by XXXX with XXXX points dropped from my score from this past due payment that applied in XXXX for XXXXXXXX XXXX XXXX. 

I have asked to be contacted by phone twice via certified mail and still have not received a phone call from anyone at Chase Auto Financial.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022, my PayPal account XXXX is permenently locked from all functions due to violation of user agreements, according to PayPal. I respect all decisions and rights PayPal holds, and willing to comply with the permenent account lock, even though they never reveal the reason why or which agreement. On the service phone, an agent was able to tell me that the picture of my ID submitted for identity verification is not clear enough thus triggering the system auto ban, resulting the account lock and it is the final decision without option to resubmit. Account lock info Reference ID : XXXX. PayPal also locked down my remaining balance in the account, including both settled and unsettled funds, from withdraw for 180 days. Payment remitters, like PayPal, can not legally hold any funds for more than 10 days. I need their reply on this issue and release my fund.
Consumer complaint received 2022-08-12
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: SYNCHRONY FINANCIAL (NV)

I have been paying my credit card. I'm receiving emails stating the payments have been posted, money is taken already from my bank account. XX/XX/2022 I paid {$4200.00}. XX/XX/2022 I paid {$3700.00}. However I am not receiving the credit back for use. I just received my XX/XX/2022 statement and on the paper statement it even shows I have {$6900.00} in available credit but on the website clearly it shows they are refusing the release that credit for me to use for over 2 weeks now. If the credit is not available to use they should not be allowed to on paper show it as available but not actually let me use it. I have talked to multiple customer service agents over phone and online chat and they tell me the same thing. They can't do anything about it, that the payment is on hold however they have no answer to why it is documented and on paper as available but they refuse to release and let me use the credit as shown and provided by their own documents. Everything is very deceptive and I don't know what is going on.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to JP MORGAN CHASE BANK with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX. JP MORGAN CHASE BANK received these instruments on XX/XX/2022. Respondent was given XXXX ( XXXX ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditiona
l Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by JP MORGAN CHASE BANK, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by JP MORGAN CHASE BANK XXXX XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of JP MORGAN CHASE BANKs failure to cure and honor Fault places JP MORGAN CHASE BANK in Default. For the course of dealing, set forth herein, with JP MORGAN CHASE BANK failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not. 
All documents have been sent to JP Morgan Chase Bank and are too large to share in this format. They can be provided if requested by an outside party.
Consumer complaint received 2022-10-05
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. (NJ)

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under XXXX5 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (FL)

Equifax has failed to adequately validate or verify a medical collection debt " XXXX XXXX XXXX XXXX XXXX '' on my credit file. I have disputed this collection multiple times with Equifax online tool, which comes back verified within days. I also mailed a debt validation letter to the collection agency with XXXX tracking XXXX with no response or deletion of the bogus collection. I also sent a copy of the debt validation with another dispute to Equifax with XXXX tracking XXXX with no response or deletion of record from my credit file. Please see copies of all correspondence in the attached file section Confirmation number : XXXX - 2 days to " verify '' Confirmation number : XXXX - 4 days to " verify ''
Consumer complaint received 2022-10-05
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. (OK)

XX/XX/2022 : I received my credit report from Experian that reflects the last 4 digits of my ss # XXXX and that's a very bad error that I thought XXXX was making. 

My legal and actual last 4 of my social security number is XXXX. 

Their error is placing me in the most uncomfortable impending unknown danger and has already harmed my social security earning record statement which is missing valid earnings that has been altered by decrease for some years of my employment reported to XXXX  tax filings prior to me living off of my social security XXXX now that I'm XXXX.
Consumer complaint received 2020-08-18
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)

I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, Transunion and XXXX. XXXX  has successfully updated and deleted the fraudulent accounts from my credit report. Transunion as also deleted some accounts from my report excluding XXXX XXXX  XXXX ( XXXX XXXX ) which still remain on my Transunion report after multiple disputes and Identity Theft Report sent. XXXX  have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

To whom it may concern, This is a formally submitted statement to inform you of an error that had occurred on my loan account, referenced above, during the payment of my XXXX taxes, in which the amount of {$1800.00} was paid out of my escrow account twice ( XXXX ) on XX/XX/XXXX. I was notified via letter in XX/XX/XXXX that the error had caused my monthly mortgage payment to rise by {$150.00} due to an escrow shortage making my new monthly payment {$910.00}. 
Since the rise in my monthly payment, I have been made to put my home up for sale as the steep incline in my monthly payment was unforeseen and unaffordable. When the error was made clear to me after looking into the rise of my monthly payment, I made contact to begin correcting this error with a phone call to PHH Mortgage 's customer service department on XX/XX/XXXX which ended with the promise of an answer within a business week, but after no return call, I made contact again on XX/XX/XXXX ; which I was told that the issue was now being submitted to a different department to be looked into. I made 3 more attempts via phone call to their customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, making a total of XXXX hour and XXXX minutes on the phone with no progress being made. 
I have been in contact with multiple PHH Mortgage personnel including XXXX, XXXX, XXXX and XXXX. My request has since gone through PHH Mortgage Servicess tax department, escalation department, and research department with little to no answer for the error that occurred. I was informed via email on XX/XX/XXXX by the XXXX Department that PHH Mortgage Services reached out to my Tax Assessor and confirmed that my taxes are paid to date and that a refund is not due from the Tax Agency with no mention of the still missing second withdrawal from my escrow account ; according to the county, one tax payment was submitted from XXXX in the amount of {$1800.00} XXXX # XXXX. However, I received an email by PHH Mortgage on XX/XX/XXXX stating that they have yet to hear back from my tax assessor. The company has continued to email me under the pretense that I do have a refund but it now has been sent to the wrong company and they are looking into it.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (GA)

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to EXCHANGE CREDIT PROGRAM with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX [ Exhibit C ]. EXCHANGE CREDIT PROGRAM received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # 7019-2280-0001-4861-2443 dated August 30, 2022, and received on September 6, 2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by EXCHANGE CREDIT PROGRAM, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by EXCHANGE CREDIT PROGRAM on XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of EXCHANGE CREDIT PROGRAMs failure to cure and honor Fault places EXCHANGE CREDIT PROGRAM in Default. For the course of dealing, set forth herein, with EXCHANGE CREDIT PROGRAM failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not.

All documents have been sent to Exchange credit union and are too large to share in this format. They can be provided if requested by an outside party.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

While I was in XXXX on XXXX XXXX with opened my credit card back in XX/XX/XXXX. I didn't use my credit card for while due to training and serving XXXX in XXXX. In early XXXX, I started to check my bank account and saw my credit score went down below XXXX which never use before later on, I check there was a debt collector who tries to sue me that I own them from old apartments which were no longer there. I spoke to XXXX as a manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the statement below 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  Comments Account information disputed by consumer under the Fair Credit Reporting Act