davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc. (FL)

IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting XXXX property tax liens on my credit report from XXXX. 
These are not mine as I have never owned any real estate property in XXXX. In fact, I have never even visited this state or done any business there in my life. I have disputed this with Transunion but they stated liens were verified as valid and refused to remove. Please help. 
XXXX XXXX RECORDER XXXX - Docket # : XXXX XXXX XXXX - RECOR - Docket # : XXXX XXXX XXXX XXXX XXXX - Docket # : XXXX
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

This is about Experian. You should ask that right away. 
Someone is used my credit report, because these people at Experian 1 ) HAVE THE WRONG PERSONAL INFORMATION about me. I had to answer questions in order to be able to make a dispute online, and ever question I answered accurately. These idiots have a lot of questions and I am sure, absolutely sure, they have incorrect information, ex : I have not lived with anyone since 1986. Yet, they have roommates listed. 
I also have other issues with these people FURTHERMORE there is NO file number. This information is online. I am trying to make the dispute online, and CA N'T EVEN GET THAT FAR.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (NH)

My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NV)

I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.
Consumer complaint received 2017-01-11
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (MO)

AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Attempting to dispute issue with Equifax credit reporting company but have been unable to process. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my Equifax & XXXX Credit Reports.
Consumer complaint received 2024-08-28
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. (CA)

XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, EQUIFAX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. ()

I had a Chapter XXXX Bankruptsy filed on XX/XX/2008 and Discharged on XX/XX/2008. 
Equifax does not report the Discharge date, so I disputed this item and sent a copy of the Discharge to Equifax. 
Equifax did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX. 
So I disputed these XXXX items again ( Confirmation # XXXX ) and again sent a copy of the Discharge and Equifax is still not reporting the Discharge date and now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 1681. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I viewed my XXXX credit report on XX/XX/year>, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Equitable Acceptance Corp (KY)

I was under the impression that I was apart of a loan forgiveness program. Equitable Acceptance starting contacting me at the same time that I was in contact with XXXX. Acting as though the XXXX were affiliated. After speaking with customer service with XXXX and telling them about a referral fee that I was promised and never received and a {$49.00} monthly fee that I was responsible for, the customer service representative said there was no referral fee or a charge. I was told that under no circumstance that I should never be charged for these kinds of services. The total " Loan '' is for {$1300.00} with monthly payments of {$49.00} for three years. Now that I am aware of the XXXX not being affiliated with each other, I am now paying for something that is supposed to be a free service and if I do n't, it will be on my credit report. I 've tried contacting Equitable Acceptance only to be put on hold or told that they were going to connect me with a supervisor, who never came to the phone. How is personal information shared and what can be done to prevent this from happening to others?
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MA)

Dear Sir/Madam, Eversource Gas ; Cfpb ; XXXX Group XXXX I've attached the police report again. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * XXXX : Harassment or abuse in connection with debt collection. 
* XXXX : Use of false, deceptive, or misleading representations. 
* XXXX ( b ) : Failure to properly disclose my rights. 
* XXXX : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

l was unemployed for 9 month from XXXX to XXXX XXXX in XXXX applied for mortgage modification with JP Morgan chase my lender and I was told I needed to have 3 month of default to get any help. So I defaulted 3 months and in XXXX I applied and got approved for mortgage modification trial starting XXXX XXXX. I made my XXXX XXXX payment with the amount they set in modification. on XXXX XXXX XXXX dropped of the paperwork that needed signed and returned to chase by XXXX XXXX we had travelled away for XXXX holiday and when we returned on the XXXX XXXX we sighed and XXXX the paper work back to chase. on XXXX XXXX we received a letter from chase stating that we were no longer in the mortgage modification plan and our home was being escalated into foreclosure process if we did n't submit the defaulted payment. we contacted chase and they said they received our signed paperwork late on XXXX XXXX and for that reason we were no longer in the modification plan. we have contacted chase XXXX XXXX XXXX several times on XXXX XXXX I was told by that my application is going to be activated again. on XXXX XXXX I called to make my monthly payment and the customer service refused to take my payment citing that I need to pay minimum {$3000.00} on defaulted account since I was no longer on modified plan. I called back chase this to ask how and where to make my payment and they told me they cant take modified amount and if they do n't receive payment by XXXX XXXX my home will be foreclosed on. the signed document that chase has said they arrived late are date XXXX XXXX when I told chase that due to the holiday may that 's why you received mail late. they told me that 's not their problem that they need those documents by XXXX. when I asked chase why they waited until XXXX XXXX to send me the paper work and nobody knows why. I asked the paper work over and over they kept saying it was coming and when it came we were gone out of town for XXXX.
Consumer complaint received 2016-12-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX, XXXX XXXX Balance : {$570.00}
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Esser, James & Associates (OR)

A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (LA)

There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (MD)

I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. Please help
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (IN)

It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (CA)

I HAVE SIGNED UP WITH XXXX, TO PAY OFF MY WELLS FARGO CC ACCTS., I WAS 160 DAYS PAST DUE, AND HAVE SENT THEM INFO FOR XXXX IF THEY HAD ANY QUESTIONS ON MY ACCT. 
INSTEAD ON XXXX/XXXX/16, THEY WENT INTO MY DAUGHTERS CHECKING ACCT. AND TOOK OUT {$960.00} FROM HER ACCT. WHICH MADE MY C. C. ACCT. UP TO DATE, AND KNOW THEY DO NOT WANT TO DEAL WITH XXXX TO PAY THIS ACCT OFF, I HAVE EXPRESSED THAT I AM NOT A ABLE TO PAY THIS AND IF THEY WILL PLEASE EXCEPT THERE OFFER, THEY THEY REFUSE, THEY HAVE SINCE TRIED TO TAKE XXXX OUT OF MY CH CHECKING ACCT, WHICH ONLY HAD XXXX IN IT NOW THEY ARE CHARGING ME NSF FEES FOR THIS, I DO N'T KNOW WHO ELSE TO TURN TO, THEY 'VE TAKEN FROM DAUGHTERS ACCT WHICH WAS SO UNEXPECTED, I HAVE EXPRESSED TO THEM SEVERAL TIMES AND HAVE WRITTEN LETTERS TO PLEASE SETTLE WITH XXXX, THIS IS THE ONLY WAY I CAN PAY THIS OFF, WITH SUCH HIGH INTEREST RATES AND FEES THE BALANCE IS NEVER GOING DOWN. 
CAN YOU PLEASE HELP. THANK YOU
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.