davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX  with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with XXXX XXXX was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX XXXX XXXX stated they longer have an account for me because the contract was canceled and charged off on XX/XX/XXXX XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (FL)

On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client Pendrick Capital Partners LLC purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The homeowner is dead. We have been trying to start a short sale with Bank of America for the past two weeks. There is a court-appointed executor and all authorization documents have been sent in, including death certificate, court documents appointing administrator, probate docs, and copy of the will. ( See attached authorization package submitted XX/XX/18 ) It is NOT a Trustee that is attempting the purchase the property it is a Court-Appointed Executor whom does not reside in the State of California ( where the property is located ) and does not have the legal right to assume the loan nor purchase the property. It is in Probate. 

Today we were told that Bank of America is required by Federal Law to FORCE COURT APPOINTED EXECUTOR TO TRY TO ASSUME THE LOAN. 

This is in fact ILLEGAL and NOT a Federal or State Law. 

The rep I spoke to, XXXX XXXX in Bank of Americas Assumption Dept, sent us the attached Mortgage Application and stated Bank of America has had this requirement to force the court appointed executor to attempt to assume the loan for the past four years. 

The Mortgage Loan Application makes it sound like it is Federal law that has forced Bank of America to make it a requirement for the court appointed executor to be forced to attempt to assume the loan, which is not only not incorrect, but the court will not allow the executor to assume the loan. 

Furthermore, it looks like XXXX is requiring the court appointed executor to fill out these documents with substantial personal information for the sole purpose of committing identity theft ( the executor does not live in the State of California and as we have stated, does not have the authority to become the borrower and owner of this property ). 

We request that the attempted questionable act of forcing an out-of-state executor in a probate that can not legal take possession of the property be waived. 


CC : XXXX XXXX, California Attorney General
Consumer complaint received 2018-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Opened new CitiBank checking account on XX/XX/XXXX and funded $ XXXX using my external acount at XXXX. About a month later, Citi closed my checking account due to pending verification and transferred the funds ( $ XXXX ) back to my external account on XX/XX/XXXX. However, the external account was closed by then ( XX/XX/XXXX ). The funds were returned to CitiBank as the account was closed.Citi is unable to trace the transaction and I am still waiting/have not received the funds yet.Citi keeps saying that they have sent the funds to the external account and that they dont have the funds. The citi case # is XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have seen that this company have been fraudulently charging me when the account has been closed forover a year now, it is also showing incorrect dates on all three of the credit bureaus according to the datesshown on each account, i will like this to show this as removed.
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (NY)

in regards to complaint number XXXX company states they have verified this debt. I have received no documentation from experian regarding what was used to " verify '' this charge off. This account is still on my credit report in good standing I should not have a charge off for this account. Provide the proof of this debt being valid and proof that this should be a charged off account. Also company did not respond to my CFPB complaint at all. this should be removed from my credit report as company and credit bureau should report correct information
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been disputing charges from a company called XXXX the own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$5100.00} with the company " we sell good traffic '' they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX XXXX which is an online marketing company of digital products over the internet. This XXXX company has turned out to be a huge scam. I was sold a list of buyers that were supposed to generate sales for the business, however this $ XXXX charge was just another way this XXXX   company fraudulently charged me. The reason why is that this was an empty service that i got nothing in return for. It was just another way to get money from me after the XXXX comany had charged up over {$80000.00} on my credit cards. The comany never responed to my emails that this " we sell good traffic '' company which is part of XXXX did not provide what I paid for which was supposed to be 21 buyers and ongoing coaching from the company. It was just an empty scam and I disputed this charge and many others as fraadulent. capital one is the credit card company that looked into the dispute I filed with the " we sell good traffic '' they originally removed the charge from my statement but then the comany challenged it and then capital one put the charge back on. Now I want to tell you something very very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC has shut down this XXXX company and 8 other businesses they own and froze the assets of the principles in the company ... here is the official link for the FTC action against these criminal companies. https : //www.ftc.gov/XXXX An attorney at the FTC provided me this information but the charges against this XXXX cmpany and " we sell good traffic '' came out after capital one denied my dispute for the removal of the {$5100.00} The FTC has been investigating this XXXX company for more than 2 years. I spoke with an attorney at the FTC and he told me that I should make this new information known to the capital one dispute team. I did tell Capital one about the fact that the FTC has shut down this " we sell good traffic '' company. I should not be charged for this {$5100.00} because it was just part of a huge fraud that I got caught up in. I hope justice will be done and that capital one will remove the charge and clear it from my account.
Consumer complaint received 2018-08-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.
Consumer complaint received 2018-05-20
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. (CA)

XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and Equifax have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (UT)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  placed a notice on my credit report with XXXX stating that I had an account in collection from XXXX XXXX XXXX XXXX. I contested this item on XX/XX/XXXX because I had always paid my XXXX XXXX XXXX   account on time and in full. As a result, the XXXX XXXX item was removed from my credit report.

Then on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX placed a notice on my credit report with XXXX stating that I had the same XXXX XXXX XXXX   Account in collection. I contested this item on XX/XX/XXXXbecause I paid my XXXX XXXX XXXX account on time and in full, and because the item had been removed from my credit report. As a result of of my dispute of the item, it was again removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX -- in spite of the item having been removed from my credit report two times previously -- XXXX  XXXX XXXX again put same adverse notice on my credit report.

I have again disputed the item, but I should not have to keep doing this. XXXX XXXX XXXX is violating my rights under the Fair Debt Collection Practices Act and is damaging my credit.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

Continually receiving robo calls and actual live person calls ( over 20 calls last 3 days ). Told the caller that XXXX  does not live at this number and please place me on the do not call list but they continue to call. The caller is XXXX XXXX at XXXX. I am XXXX  years old and do not need the stress of these continuous phone calls ALL Day!
Consumer complaint received 2018-05-18
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. (MS)

I called the company a few weeks ago trying to get some unauthorized inquiries removed but the customer service rep was no help at all. I told her that I havent been applying for anything since I was working on my credit and plus I am trying to get approved for a mortgage. Someone please fix this for me.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Capital One 360 banking apparently uses access codes, to link external apps and users, in order to increase my privacy and account safety. However, none of my other financial tools or account have been able to use any form of connection or access to be able to manage my funds and handle my monetary endeavors due to Capital One blocking the access no matter what security is or is not in place.
Consumer complaint received 2018-06-19
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. (NC)

XXXX XXXX XXXX ( the company that received a no-action letter ) place a fictitious loan on my credit report. I called them, wrote them, sued them ... and obtain a {$10000.00} judgement which they appealed-went to an arbitration where the arbitrator appears to be convinced I did not complain loudly enough to officials. They created the loan with e-signatures-never asking for a valid id ( The Patriot Act may have been ignored ) ... .and I have been fighting for nearly one year to remove them. I went to the police-they said they had no jurisdiction-went to the FTC ... file 13 ... I plan on pursuing all possible remedies including Federal Court. 
The loan was issued using a business address in the State of XXXX-I live in XXXX XXXX ... to a bank in either XXXX  or XXXX-XXXX XXXX. The originator was XXXX-the lender XXXX XXXX XXXX. ( recently cited by the State of XXXX XXXX ). 
I am not sure if I was the only person ... or more people have these phony loans.
Consumer complaint received 2018-06-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (GA)

My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012.  This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Navient collection agency has been sending extremely important emails to an out dated email adress that I had removed from my account back in XX/XX/XXXX. I had just gotten my student loans out of default. It was then transferred over to Navient. I updated all my contact information including email, address, and phone number. It was then I was told that there was a grace period while they figured out how much my monthly payments would be. Well XX/XX/XXXX comes around and I still hadn't gotten any form of communication from them. I try to login to their website and naturally forget my information so I recover it and receive emails on my updated email address. When I get on it turns out I'm 4 months behind and have had payments due since XX/XX/XXXX. I was shocked and confused so I log on to my old email address, I don't use anymore, and sure enough they'd been sending all the payment due emails to that even though that email isnt even on my account anymore. Still as of today, XX/XX/18, they are sending all of the important emails to that account. I've been working really hard to get my finances under control and get my credit score up and feel like this is a sneaky tactic to try and keep me in debt to them.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (IL)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial contact, Experian has failed to respond, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX XXXX, Balance : {$95.00}, Reported : XX/XX/XXXX, Original Creditor Name : XXXX XXXX ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Experian includes this account on my credit report, but it does not belong to me. I request the removal of this account from my credit report. 
XXXX XXXX : Experian includes three accounts under the name XXXX  XXXX, which are not mine. I dispute these accounts and request their removal from my credit report.
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Last week, I filed a complaint against Portfolio Recovery because they reported a collection account on my credit report for {$1800.00}. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I have no idea what this is, and I am very frustrated that I wasn't even given a chance to answer for this supposed debt prior to it appearing on my credit report. Portfolio Recovery responded to my initial complaint and said they could not investigate it unless I supplied them with additional information. I do not understand how I am supposed to supply them with additional information about the account if I don't know what it is either.