davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case for the unknown account reported as EOS account number XXXX. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA AND ACCOUNT INFORMATION.. I DID NOT LEGALLY SIGN CONSENT FOR YOU, OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR .You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
Consumer complaint received 2021-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

XXXX - I found out I had a lien on my house while going through a refinance due to Shellpoint mortgage company failing to pay my XXXX taxes. 

After month 's of trying to have them issue a check to the 3rd party vendor they finally issued a check from my escrow account however, they reassured me at the time they would reimburse me the interest that accrued and the penalties in the amount of {$2400.00}. I called asking when I would receive the check and I was given the run around for almost a year. I refinance again since now the lien is removed but while refinancing I was still dealing with an escalation on my reimbursement. After Shellpoint received their pay off check I was then informed that I will not be receiving a check even though a representative reached out to me on XXXX  private stating she had good news I will be receiving a check in the mail. I call XX/XX/XXXX to see why I haven't received a check only to be told that the notes state the exact opposite that I will not be receiving my funds that I am owed.
Consumer complaint received 2021-11-15
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: BARCLAYS BANK DELAWARE (VA)

Received a credit card offer during XXXX flight. It said {$0.00} intro annual fee and 60,000 frequent flyer points after using the card within the first 90 days. I applied in XX/XX/2021 and received an XXXX XXXX XXXX  ( issued via Barclays Bank ) the same month. I used the card and paid it off entirely the same month ( XX/XX/2021 ). It is now XX/XX/201 and I now see an annual fee charge of {$99.00} and still no credit of XXXX points. I have only had the card for 2 months but it says my annual fee would be XXXX for the first year. This appears to be a classic fraud and/or bait n switch tactic.
Consumer complaint received 2021-09-21
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. (IL)

on XX/XX/2021 I sent out a letter to Experian and disputing a Bankruptcy that they are reporting on my credit report. I have then sent out another letter stating to send me there method of verification. They then sent me a letter indicating that they have verified that the bankruptcy was accurate and verified though the company that reported information on my credit report. Which is FALSE I have contacted the courts and they do not report to the credit beaus. Under the FDCPA section 807 this is misleading false reporting I demand that this account be deleted immediately or I will file litigation due to the stress they have cause me.
Consumer complaint received 2021-09-13
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 Plus Inc (MI)

On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

On XX/XX/13 at XXXX pm I received a call from someone at American Coradius International stating they were a part of the collections team with XXXX and that my account showed an outstanding balance of {$4500.00}. I checked my account and showed no outstanding balance and asked them to provide me with any other information that had on file which they couldn't. I looked this company up online and it appears ( based on reviews ) a ton of others have been called stating they had a balance to pay on their XXXX  account when in fact they did not and the company continued to try and collect so called debt. I hung up the call immediately and checked my mail to see they also sent mail to me to collect on this XXXX balance. Account numbers all incorrect. XXXX account in good standing. ( see attachment )
Consumer complaint received 2022-10-29
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One just about 9 months ago to change my credit card due date from the XXXX to the XXXX. I was told over the phone that they would. Strangely though, they also decided to report the account with 30 day late payments. I was very upset so I called to get these lates removed. Even if Capital One wanted to consider me late for not paying on the XXXX, paying on the XXXX would still only be 14 days late. The 30 day late reporting is completely inaccurate. I conveyed this to them, and they promised me they would remove them but the 30 day late marks are still on my report. In XXXX, I sent them a written notice explaining the situation but Capital One continues to report this account incorrectly.
Consumer complaint received 2021-12-08
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. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Consumer complaint received 2021-12-08
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. (CA)

Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (IL)

Ive reach out to the XXXX credit Bureau and as well a creditor I dont have any contract the with XXXX I do not owe them any equipment the address that is displayed does not belong to me as well on my credit report
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX Resorts, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with Bank of America and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the B of A account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from B of A and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to B of A as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with B of A. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.
Consumer complaint received 2021-09-14
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. (AK)

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXXXXXX XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I filed Complaint # XXXX on XX/XX/2021 in regards to my mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing. 

NewRezs XX/XX/2021 response states, As stated in Newrezs XX/XX/2021 response, {$940.00} in funds previously received from the Trustee were mistakenly counted as a post-petition payment in tracking post-petition amounts due 1. Provide documentation/records showing the exact Transaction Dates that NewRez allegedly received funds from the Trustee in the amount of {$940.00} that was mistakenly counted in the bankruptcy payment ledger. 

If the amount of {$940.00} was paid by the trustee as multiple payments, totaling XXXX XXXX-provide documentation showing all of the separate amounts and transaction dates which total to the amount of {$940.00} that was allegedly received from the trustee and mistakenly counted in the bankruptcy payment ledger. 

2. Why is NewRez stating they used the number/amount of {$940.00} in their XX/XX/2021 response as the number/amount {$940.00} does appear at all in their XX/XX/2021 response?
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At Experian, the payment history still shows no data for XXXX & XXXX XXXX.Therefore, we have requested that XXXX, XXXX and Experian make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.