davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (AZ)

This company ( national credit system ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-10-30
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. (AL)

XXXX, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company XXXX XXXX was transformed into XXXX. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XX/XX/XXXX and XX/XX/XXXX which means it was still in affect during XX/XX/XXXX when XXXX reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company XXXX XXXX was transformed into XXXX. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XX/XX/XXXX and XX/XX/XXXX which means it was still in affect during XX/XX/XXXX when XXXX reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX  and Experian credit reports to XXXX XXXX Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since XXXX has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from XXXX.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.
Consumer complaint received 2019-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Have business loan with Bank of America Practice Solution from XXXX. Recently got email from XXXX XXXX ( who did not know the practice name and his own phone number ), that I will have a balloon payment, because it was missing payments for XXXX!!!, Bank fail to sent statements on my accounts, Practice solution destroyed invoices for XXXX, sent fake yearly statements plus disclosed info for other health practices attached to my business, and they attorney sent harassing messages to destroy evidence. Do not recommend deal with this bank, full of criminals.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd. (CA)

Collection agency, Haris and Haris, spoke to a relative about the outstanding debt and accepted payment from them even though the relative has no liability or responsibility to the debt. 

Amount was for {$9.00} fee and {$9.00} penalty, collected on XX/XX/2019. Had previously spoken to the collection agency, to provide them with my corrected contact information, instruct them to only use the phone number I provided, and then inquired about whether they have a record of the original payment being settled ( which it was ).
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Navient Solutions. 

Pending lawsuit for illegal practices in claiming a debt is owed in which they can not provide legal proof. 

Requested documentation supporting the amounts owed and was not provided within the timeframe given via mail correspondences. Received one letter with nothing requested or satisfactory as required by law. 

Navient continued to harass the person via email while the account was being disputed and credit reporting despite requesting validation and harming the persons credit during a formal investigation requests into the validity of the debt and amounts owed. 

FTC, FDCPA, FCRA violations.
Consumer complaint received 2019-10-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

Greetings I have been in contact with the Department of Education, XXXX XXXX, and XXXX for the past 15 years directing them and informing them that this is not my debt. I have provided every document they have requested. The fact that idenity theft occurred at the onset was made clear. A few years they finally removed the debt. But now the debt is back on my credit report and they are taking money out of my XXXX check. And didnot give prior notice. This issue is a hardship because i donot owe these funds. It appears that These companies are not interested in following any laws. Under FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) Requirements on Users of Consumer Reports - Prohibition on Sale or  Transfer of debt caused by identity theft. 

Although this issue has been brought to their attention these parties refuse, and deny, following the FCRA regulations. Although they have been notified in writing and by phone that the account doesn't belong to me and that it is the result of idenity theft. This item is presently on my credit report 3 different times by 3 different company names. I have also submitted this into to all three credit bureaus, nothing has been amended or corrected. 
Thank you.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX   that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry.

Again, they have not sent any evidence nor have they responded to any of my letters.
Consumer complaint received 2019-10-15
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. (FL)

The Bank sent letters dated XX/XX/2019, offering a thirty ( 30 ) percent discount on the balance owed on on my loan accounts. This offer was not prompted by me, none of my loans were in default or past due. It was presented to me as a " special offer '' to " select borrowers ''. As it was a good business decision, I took the offers and paid off the loans at the discounted rate. Of the three Credit Reporting Agencies, two have seen that this was not a derogatory action to my credit, and have Reported Accurately. However, Experian continues to report my credit score 200 points below the other agencies credit scores. In addition, Experian is inaccurately reporting my available credit to be {$25000.00}, when all other Credit Reporting Agencies are showing more than 20 times that amount. I am in the process of purchasing a home and this inaccurate reporting is causing irreparable harm to my Credit and Financial well being. I filed disputes with Experian, they closed the file pushing blame on the Bank, I spoke to the Bank and they stated they reported accurately and it should not be listed as a derogatory mark. Experian closed the file with no explanation. I have an account with then and pay for their services, for which, they claim they can do nothing. 
Please help me to fix this problem and prevent others from being harmed in this deceptive trade practice by Experian.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (MI)

CNAC has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/XXXX showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many  negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.
Consumer complaint received 2019-10-14
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-14
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. (FL)

I file a dispute with TransUnion, XXXX and the XXXX XXXX XXXX XXXX. A debit that is over the seven years is still reporting to credit report.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

There are numerous hard inquiries from XXXX. They are on all 3 of the credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.
Consumer complaint received 2019-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I fell behind on my mortgage because of major home repairs that were urgent and mandatory, in order to keep my home in good condition. I applied to Rushmore Loan Management for a modification, so I can get back in good standing with my mortgage. After several months of the process, Rushmore approved me for a payment of {$3600.00}, a payment that was {$1100.00} MORE than my previous payment, AND also asked me for a down payment of {$6000.00} as a condition for the modification.

They asked me before if I had any money for down payment and I told them I did not, yet they still asked me for over {$6000.00}!

I asked them why are they giving me a payment of {$3600.00} MONTHLY, and what calculation they used to come up with that ridiculous payment, on a house in the ghetto, worth under {$20000.00}, and was shocked at the explanation. So, I have a rental property in Pennsylvania, and THEY USED THE RENTAL INCOME FROM THAT PROPERTY, BUT DID NOT TAKE INTO ACCOUNT, THE MORTGAGE PAYMENT AND EXPENSES ON THAT PROPERTY!! 
So they used the income and didnt care that that mortgage company for that property should be paid with the income from that property. This is insane!
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX  check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX  ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is XXXX
Consumer complaint received 2019-10-14
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} XXXX XXXX incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called XXXX XXXX to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but XXXX payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for XXXX 's own mistake. It is not fair. 

I called and tried to explained this to XXXX. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XXXX and now XXXX 's payment. XXXX reports on my credit, that I owe, XXXX and XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that XXXX paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to XXXX, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,