davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (NY)

I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX  XXXX XXXX ''. 

I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account. 

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations. 

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information. 

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NY)

I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing me?
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Leviton Law Firm, Ltd. (IN)

After receiving a letter claiming to be from a debt collector, I responded, asking them to validate the debt. I also requested that they conduct all future business with me by mail. I have tracking information for this letter and proof that it was received and signed for. 

While I was preparing that letter, I received word from a former coworker. This coworker sent me a string of emails from the debt collector, sent to him, about my supposed debt. These emails contained my name, address, account numbers, and the amount of debt the collector claimed to own. The debt collector continued to contact my coworker even after he responded, telling them that they were reaching out to the wrong person. 

In my letter to the debt collector, I specifically told them to stop contacting my former coworker and provided correct contact information. However, after the letter was delivered and signed for by the debt collector, they continued to contact him. 

Earlier today, I received a phone call from my father. The same debt collection agency contacted him, informing him about the same non-validated debt and threatening legal action against me. They did not simply request my contact information but explicitly disclosed the debt and threatened legal action. 

Other than a single letter threatening legal action, the collection agency has made no attempt to validate that they own any of my debt and has constantly violated my privacy by contacting third parties.
Consumer complaint received 2018-06-06
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. (AZ)

Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (AL)

G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery a debt collection agency is reporting a debt that is over 5 years old and needs to be removed. They keep updating and changing the date to make it look newer than it is. XXXX XXXX was for a retail credit card opened up in 2012 and needs to be removed. 

I've been addressing this for over five years.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (MD)

Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX. 
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did  not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX these accounts are not mine please delete these accounts immediately. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 States a consumer reporting agency cant furnish an account without my written instructions. Please delete these accounts immediately.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CO)

In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.
Consumer complaint received 2018-09-20
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. (MO)

The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Countrywide victim. My mortgage was acquired by Bank of America as a result of the financial crash of XX/XX/2008. XXXX XXXX XXXX XXXX purchased my mortgage from Bank of America. Now Bank of America is the servicer for my mortgage on behalf of XXXX XXXX XXXX XXXX. I submitted an application for loan modification to Bank of America. Bank of America is demanding financial documents that do not exist and they refuse to accept financial documents that provide the same financial information, but are in a different format. For example, they are requiring that the document contain the word " statement '' and have a " beginning '' and " ending '' date and that the document must be issued monthly or quarterly. Some financial institutions do not issue monthly or quarterly " statements '' and instead issue a " transaction history '' which contains the same information. Bank of America told me to get letters from the financial institutions explaining that the financial institutions do not create the type of financial documents that Bank of America is demanding, but that other documents which provide the same information do exist. I obtained the letters and submitted them to Bank of America, but then Bank of America refused to consider them. Also, Bank of America keeps claiming that I did not submit documents when I did submit them and I can see those documents on their website. Also, XXXX XXXX XXXX spoke with Bank of America on one occasion, but then Bank of America said that they will no longer speak with XXXX even with written authorization from me. Therefore, Bank of America is not allowing XXXX to fully assist me. Bank of America also sent me a letter telling me that they are no longer " actively '' considering my application because I refused to submit the documents that they demanded, but also said that the application is still " pending '', and that they can still seek foreclosure if necessary. This constitutes " dual tracking '' and is illegal. They also told me that if I still want to have them consider a loan modification, then I would have to submit a " new '' application even though they did not make a decision on the first application. They also took away my " point of contact '' at Bank of America. They also cut off my online access to my application and informed me that they have " exited '' me from the system. Bank of America is claiming that XXXX XXXX XXXX XXXX is the one who is making the decisions, not Bank of America. Bank of America will not allow me to speak to the Underwriter. All of their conduct prevents me from taking an appeal of a denial and enables them to claim that they did not " deny '' my application.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

XXXX could not write this : On XXXX XXXX I asked XXXX XXXX XXXX to send me a new order of checks as I only had one left. 

On XXXX XXXX without my authorization or knowledge my check account and my brokerage accounts were closed! The money in my taxable account without my authorization or knowledge was withdrawn by XXXX XXXX XXXX and a check was allegedly sent to me that I have not received! I objected to my accounts being closed! 

Mr. XXXX XXXX from the consumer advocate 's office told me on XXXX XXXX that both accounts had been closed but were now open again. 

I checked my accounts on line this morning, XXXX XXXX, and discovered that there was no taxable account. I called Mr. XXXX who told me that myh accounts had again been closed! I protested. He called back later this morning to tell me that my accounts were open again! 

This is a comedy of errors that must never be repeated either for me or for anyone else who is a costumer of the XXXX XXXX XXXX XXXX XXXX XXXX. 

I still do not know, in fact, if my accounts are open or closed or if they will be closed again without my authority or knowledge!
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

To anyone who will listen : My consolidation master promissory notes ( MPN ) are dated in XXXX, XXXX, XXXX, in such, there is no 6 months grace period. It is my understanding that all consolidated and non-consolidated loans are treated the same. When Nelnet began to enforce the newer version of MPN with Item 17 grace period, I never signed that version, I was never advised by Nelnet of any changes to my MPN or the enforcement of the newer version of MPN. I was in school for fall XXXX and took the spring/summer XXXX off due to a job relocation, to included, I am currently in school for fall XXXX. During my time away from school, my non-consolidated loans had a 6 months grace period. Without my knowledge, Nelnet reported to my credit bureau, XXXX, XXXX, and XXXX   90 days late payments during my VA mortgage pre-approval process. My VA lender disqualified my loan because of the recent XX/XX/XXXX 90 days late listed on my 3-credit bureau. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. By Nelnet submission, their review my signed Consolidation Master Promissory Note ( MPN ) with Item 17 and upon request this document was never provided. Nelnet decision to enforce policy, shouldnt supersede contraction obligations has led me and my family into financial hardship and emotional stress with the negative credit report posting of late payments. With Nelnet negative credit bureau listing and denial of VA loan has presented very limited options regarding housing for my family. We are begging Nelnet or XXXX to reverse the negative impact. Ive enclosed my three signed MPN dated XXXX. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. If the signed Consolidation Master Promissory Note ( MPN ) with Item 17 is not provided, I respectfully request the removal of all negative posting of late payments in XXXX & XXXX on XXXX, XXXX, and XXXX. 

Thank you for listening, XXXX XXXX
Consumer complaint received 2018-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I paid in invoice on Paypal using my XXXX XXXX credit card generated by my wedding photographer XXXX XXXX in amount of {$2900.00}. To avoid the 2.9 % transaction fee, I called my credit card company XXXX to dispute this charge and XXXX put the credit back onto my card. Meanwhile my photographer refunded me the transaction fee of {$84.00} so I called my credit card company to cancel the previous dispute. XXXX soon rebilled me {$2900.00} ( as stated in the XX/XX/XXXX statement of my credit card ). Paypal started a chargeback case ( case ID XXXX ) on XX/XX/XXXX after receiving the dispute notice from my credit card bank and held the fund from my seller. Although the dispute case is already closed on XXXX 's side and the fund was sent to Paypal 's merchant bank, Paypal claims that they did not receive any money and closed the case. XXXX provided me the letter to confirm that this dispute was canceled and the amount of {$2900.00} was rebilled and sent to the merchant 's ( Paypal ) bank. I had forwarded the letter to Paypal. However, on XX/XX/XXXX, Paypal close the dispute case and with the conclusion of missing fund. Now the situation is that I made the payment to Paypal and 4 months later Paypal said they did not receive any money or any notification from my credit card issuer XXXX. I had contacted Paypal numerous times to trace the fund, and kept receiving the same response that they did not receive it and therefore they have no payment for my seller.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kramer & Frank, P.C. (KS)

I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.
Consumer complaint received 2018-06-07
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. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which still appears on my equifax credit report, does not relate to any transaction ( s ) that I have made. Accounts : XXXX XXXX, amount of {$3700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$8700.00}, are the result of identity. Also the result of identity theft are XXXX XXXX  accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00}, All the XXXX XXXX   accounts, ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts are also duplicates and also reporting under XXXX XXXX XXXX, XXXX XXXX, {$1000.00} account, -Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. On XX/XX/2018, the companies responded back stating that the disputed accounts, listed in my attachments ; have either been blocked or do not appear on the consumer 's credit report. The other CRA 's have complied and have deleted these accounts, however, after reviewing my Equifax report, they are all still reporting.