davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order FCO to make recompense and pay redress and compensation for their trespass against me. FCO has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BROKER SOLUTIONS, INC. (CA)

STARTED WORKING WITH XXXX XXXX XXXX AND MY CREDIT WAS IN THE XXXX THEN. THINKING I CAN BORROW FHA AND HEROs. A few points off I was referred to a CREDIT FIXING CO. WITHIN 30 Days.and I have been working on my own credit for a yr. AS PER XXXX  XXXX..Im back to XXXX. I was referred. These ppl are predators they have NO BUSINESS dealing with the public. Credit repair co wants approximately 200 per mo from r the next XXXXour months. BUT PROMISE TO HAVE YOU IN A POSITION TO MAKE AN OFFRR.

I was in the position to make an offerwhen I contacted. XXXX XXXX. Please help.Im a single mom and XXXX XXXX employee for XXXX yrs attempting to have my XXXX and XXXX ye old attend the right XXXX. This is not right.the consumers are at a disadvantage.
Consumer complaint received 2017-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I was charged for a service I never received. ( Charged on XX/XX/XXXX ) and ( XX/XX/XXXX ) I disputed the charges and the bank issued a temporary credit ( XX/XX/XXXX ) the bank sided with the merchant and reversed the transactions. I do not want to be charged for fraud. They reversed the transitions on ( XX/XX/XXXX ) & ( XX/XX/XXXX ).
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

Anyway, they told me to go back to the bank and get veri ) ed a second time.So I Did and the banker and I were on the phone with them to do that. When all was done they said they would do a reversetransfer of the money within the next 10 day. I said I have to wait another 10 days. He said it probably won't take that long.ok so I waited 5 and emailed the banker that I don't see anymoney yet. So she called themand they told her that I was the one who authorized the transfer. which i did not do. Sonow she gives me another # to call. So call that one the next day.And of course go 3 more people before one would tell me what was going on. And she told me that I gave them the pin # toverify myself. I told her no but she was not listening. And she also told me their were 6 otherusers on my account. So howdoes that happen without my knowledge So 3weeks later they tell me they are not giving me my money back. So i believe theywere giving me the run aroundtill they didnt have to pay me. I asked don't you have Insurance for this and she saidthats not how it works
Consumer complaint received 2017-11-04
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: Credence Resource Management, LLC (CA)

att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Consumer complaint received 2017-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (FL)

i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

Shell Citi bank has reported nonpayment for 3 months, however, I have n't received a bill for either month.They are stating they have enrolled me in paperless billing without permission or acknowledging me.
Consumer complaint received 2017-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (PA)

There was a request for my credit report from Equifax Mortgage Solutions. I did not request this and am not familiar with the request at all. This is on the XXXX  site. I have frozen my credit reports. 
My employer recently informed me that there was a fraudulent unemployment report filed with my information. That is when I froze my reports.
Consumer complaint received 2023-02-09
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: SOUTHSTATE CORPORATION (SC)

I got denied a checking account because of my XXXX  XXXX  credit score... etc. 

South state bank denied my application for a checking account Because of my XXXX  XXXX credit score.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later,XX/XX/XXXX the account re-appears under a different account number with a collection agency XXXX. XXXX is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kansas Counselors, Inc. (MO)

They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.
Consumer complaint received 2017-11-04
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. (IL)

I have some inquiries on my report that I did not authorize. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX
Consumer complaint received 2017-11-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted a complaint on CFPB that Bank of America reported a hard inquiry on my credit file without my consent. Bank of America decided to remove the hard inquiry in question, except they never actually did! It 's been 2 months since they sent me the letter stating they would remove the inquiry, but as of today 's report, the inquiry has not been removed.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Schachter Portnoy, L.L.C. (NJ)

To whom it may concern, In the spring of XXXX, while I was still in school, two of my student loans went into delinquency. In early XXXX those loans went into default. At that time the law office of Schachter Portnoy , L.L.C . began collection on the loans. We agreed upon an amount and I have been paying it ever since. I was writing to see if I could get this delinquency or negative mark off of my credit report. It has affected my life ever since and now I am trying to buy a house and it is making this difficult. I have kept current on everything else in my life and this is the only blemish on my credit report. After speaking with a loan XXXX and explaining my situation he also said the way this appears on my credit report doesnt seem quite right. At the very least I would like the status of this to be changed. I have tried to contact Schachter Portnoy and they told me the only thing that could change the current situation was to pay to amount in total and I dont have that kind of money. I do not want this derogatory mark on my credit report for the next 10 years. I have included documents from Schachter Portnoy L.L.C regarding the default and my current standing as well as bank statements showing my payments. Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -CH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/2019
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.
Consumer complaint received 2017-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I am currently XXXX XXXX XXXX and have been trying to have my Employment Certification Form verified by XXXX XXXX for over two years now. The most reason submissions were on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All were denied for erroneous reasons by XXXX XXXX. I had the person in charge of our XXXX XXXX on base sign and verify my paperwork and now XXXX is telling me said person is n't authorized and I need a different signature. However, when I call to find out WHO exactly they want to sign off on my paperwork they are if no help. 

Additionally, the admin office typed up a formal letter of service stating my start and anticipated end date for XXXX XXXX, this is a legal document. Also, I tried submitting a copy of my XXXX statement which once again is proof of military service which qualifies under PSLF.