davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2017-12-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Municipal Collections of America Inc. (FL)

Received a collection notice form a company called Muicipal Collections of America They did not include any back up for the debt collection. The debt collector cites a ticket in forrest XXXX XXXX. on XX/XX/XXXX. We live in XXXX and were no in XXXX on the date referenced.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XXXX after checking my credit report I seen a collection from the collection company Portfolio Recovery Associates. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get Portfolio recovery to validate this debt they 've FAILED. I received a letter XXXX from portfolio recovery sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an experian rep to come here before file a suit against these people.
Consumer complaint received 2017-12-26
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: BARCLAYS BANK DELAWARE (MS)

About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. XXXX has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my XXXX Credit Report. I called Barclay 's Bank of Delaware and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MS)

I was behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.
Consumer complaint received 2017-12-26
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: DISCOVER BANK (CA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover Personal Loans Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-12-11
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: National Credit Systems,Inc. (OH)

I contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.
Consumer complaint received 2017-12-26
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. (TN)

Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.
Consumer complaint received 2017-12-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. 

THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.
Consumer complaint received 2017-12-26
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: AVANTE (LA)

XXXX XXXX has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.
Consumer complaint received 2017-12-26
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. (MS)

About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. Experian has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my Experian Credit Report. I called XXXX XXXX XXXX XXXX XXXX and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America 's vendor cut down a tree at my house and I was charged for the cutting and removal thus the charge increased my mortgage balance. I was charged for the cutting and removal. The tree has been laying on my property for months ( see attachment ). I was told that the tree would be removed months ago, but nothing has happened.
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.
Consumer complaint received 2016-10-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX my credit institution ( XXXX via XXXX ) sent me my credit score ( XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX I ran my credit report and saw XXXX # XXXX ( XXXX ) listed with Balance {$4900.00}, Original Creditor : XXXX ( XXXX ), Placed for collection : XX/XX/XXXX I called the collections agency who said they had called and spoken to a " XXXX '' on XX/XX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct is in my name and same last XXXX digits of soc sec # but a different st address. I called XXXX and reported fraud/identity theft and a fraud claim was started ( ref. # XXXX ). I also submitted an identity theft claim to Transunion XXXX file # XXXX XXXX and Equifax online. I then called and reported this to XXXX. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be re-set to what it was prior to this incident.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented. 
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ). 
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.
Consumer complaint received 2017-02-25
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CA)

WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT THIS.
Consumer complaint received 2017-12-27
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. (VA)

Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.