davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Made a {$200.00} cash payment to my credit card at the Bank of America ATM in XXXX XXXX XXXX in MD on XX/XX/2019. ATM said they couldnt accept some of the cash, and then the screen froze, eating the money. It spit out a receipt with a number to call. This is the 2nd time this has happened to me this year, the first time was with a check. When I called the number I was transferred many times because there is somehow an issue over who is supposed to handle these kinds of disputes. When finally someone took my claim they said it could take 2 billing cycles to investigate, which is rediculous. All they need to do is check the atm and it should be over {$200.00}. I think now I learned my lesson and will no longer be using ATMs especially from Bank of America.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (FL)

On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX/ Pendrick Capital Partners II LLC trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXXfor the amount of {$1000.00} dollars and a second one fromXX/XX/XXXX for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX ) I sent my letter via certified return receipt on XX/XX/XXXX and received a response from them on XX/XX/XXXX 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MS)

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2021-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (FL)

For the past 2 months we continuously receive letters indicating that the waiting period has expired for the VA mortgage loan. 
I'm a XXXX XXXX for a large bank and when I first opened the letter I got very confused and overwhelmed. The letter looks like I could be from the government, shows the year on the top right like you would see in your tax returns. No where in the body of the letter they identify themselves as a third party or their intent to prospect for refinancing. Their method of prospecting is very deceiving and unethical.
Consumer complaint received 2019-10-24
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. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (AL)

Tower Loan keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back surgery. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.
Consumer complaint received 2019-10-24
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. (SC)

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I recently was denied credit based on a collection account reported on my XXXX credit report which drastically dropped my credit score substantially. Upon investigation with the credit bureau I noticed that a company called Phoenix Financial services on XX/XX/XXXX placed the collection account on my XXXX credit report. I also contacted Phoenix Financial Services and was told that it was am ambulance bill from XX/XX/XXXX from XXXX which I did not pay in the amount of {$1500.00}. I had a XXXX XXXX XXXX in which it was settled and the medical bills were paid through the attorney that I had in the XXXX XXXX XXXX case. Contacted the attorney 's office and the medical bill was paid through my insurance company XXXX XXXX with which I had full ambulance benefits covered under my plan. I contacted XXXX XXXX and we was on a three way call with ambulance company. In that discussion, the ambulance company XXXX never submitted the bill to XXXX. XXXX had my XXXX card membership number which my Daughter game them while I was being transported to XXXX hospital on the direction of my Daughter. Now because of the statute of limitations XXXX told XXXX that they can not pay the bill because it was never submitted to them for payment and now they are trying to biil me directly. My coverage and medical benefits has not change since XXXX. XXXX did merge with another company who in turn decided to report the debt as a collection account to XXXX. Please note that I never received a bill since XXXX from XXXX until XX/XX/XXXX from a collection agency without even notifying me what the debt was for. I want this removed from my XXXX Credit report immediately and any other Credit reporting agencies.I believe it is a violation of my rights under FDCPA and FCRA.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FFCC-CLVLAND XXXX FFCC-CLVLAND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious FFCC-CLVLAND 17845839 FFCC-CLVLAND 17268268 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (TX)

We originated and closed our loan in XXXX with XXXX XXXX XXXX. We took possession on XX/XX/XXXX. All our insurance for hazard and flood ( we are in a flood zone ), taxes, were all in the original escrow account. XXXX XXXX sold the loan after one month to Essex Mortgage. We received their statements with the correct loan amount and all insurance and tax premiums in the escrow account. 
After 10 months of paying the mortgage and escrowed monies we got a frantic call from our insurance provider, XXXX, saying our flood insurance premium was not paid and they had notified Essex two times with no response. I called Essex on XXXX XXXX and spoke with customer service and explained the flood insurance was almost expired. They directed me to their insurance department who refused to speak with me ... .they said I was not on the loan, that is a false statement as I am listed on the loan, but they did say there was not any escrowed account for flood insurance, that is false. I called Essex customer service back and told them of the issue with the flood insurance policy and the insurance department refusing to speak with me, and the policy almost lapsing and was told it would be taken care of. It was not, the flood insurance policy through XXXX would not extend the payment deadline. Again I called the Essex XXXX department who said they made a mistake but refused to make the premium payment in time to avoid a lapsing of policy. After repeated phone calls to Essex customer service who also admitted the error, but said again they could not make the payment in time ( they had several days to do so but refused to expedite it. Two hours before the flood insurance policy was to cancel my wife and I used our XXXX  money to pay the flood policy. We basically live paycheck to paycheck like most people so paying the flood policy was a huge financial burden for us ... .because we had been paying it all along in the escrow account that Essex said did not exist! Essex said they were sorry, they would correct the error and send us in writing the new process to cure the issue. That has not happened and Essex now says there is now a shortage in our escrow account and they are raising our mortgage next year. They have completely failed in their fiduciary responsibilities and are trying to illegally raise our XXXX XXXX payment for no reason. We need help against this mortgage company.
Consumer complaint received 2019-10-24
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. (GA)

XXXX XXXX XXXX service was requested discontinued. Service Tech came to house and collected equipment. Some time later a bill was sent for about 5 months service charge and a charge for other unreturned equipment. No notice was ever given to customer about additional equipment to be returned. When customer received bills after service was cut off, and asked for clarification of the unjust charge, it took XXXX XXXX XXXX extensive time to determine what the charge was for, and once notified, idle equipment was returned by customer and credit issued for the equipment charge. 
However, no credit was issued for the 5 months of time when no service was provided and no use of service was made. 
XXXX XXXX XXXX refused to credit the time although they had both neglected to pick up all equipment at the time of last service call, and failed to notify customer of any further obligation to return the equipment in question. 
XXXX XXXX XXXX is attempting to bill customer for a period of time after service was cancelled and for which period of time no service was provided or used.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one froze my checking account on XX/XX/XXXX. They will not tell me the reason. Since that date they have not given me a reason why the account is frozen but only tell me the account is under investigation. It is my opinion they are committing conversion and illegally seizing my funds. 
I called customer service XXXX and was told there are restrictions on the account but no notes. I was told the bank is terminating banking relationship with me but still will not give me a reason. They told me they would issue me a check after their investigation is completed. They have no time frame for when this will be resolved. I asked for a call back but they do not call back. This issue has gone on for a month and a half. I have called the customer service number and the customer protection team many times and left messages for a call back and to escalate this matter. Neither of these departments are able to resolve my issue. I walked into a bank and they told me after review of the notes in the capital one system there is no reason stated why my funds are frozen. They can see the funds are frozen and there is an investigation but no reason provided. The bank manager tried to resolve the issue himself but was not successful. They issue a tier XXXX complaint on XX/XX/XXXX on my behalf. The bank case number is XXXX. Still no one has contacted me and the matter is unresolved. Can you assist me with this matter.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have been trying to build my credit but the debt on my reports are keeping my credit score in a " poor '' state. So now I am trying to investigate all negative and false accounts on my reports and I see a deliquent account that I have no responsibility for. I never opened or authorized it and I don't know who did. This is a fraudulent account and I wish to dispute and have it removed as soon as possible. I want proof and records if original contracts or agreements used to open accounts. Addresses or identification used to open it. My identity was used without my knowledge or consent.
Consumer complaint received 2024-10-23
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-10-24
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)

I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for Transunion and XXXX but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

They purchased my mortgage from my old mortgage company. I paid my mortgage on time, and they recorded that I was 30 days past due. I called them to try to resolve, and they opened a case, but called me back today to inform me that they would not change the credit reporting.
Consumer complaint received 2022-12-20
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: PLANET HOME LENDING, LLC (CA)

Planet home lending is reporting a late in XX/XX/2022, but this account has been paid off now sure why they would report this account as negative this month. I tried disputing this but nothing has been fixed. It took a hard hit on my credit score. According the the FCRA it is a violation to report inaccurate information and could be fined up to {$1000.00}. Could you please investigation for me? Thank you!
Consumer complaint received 2019-10-24
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. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-10-24
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 recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file