davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Please see the two attached inspections, one from XX/XX/XXXX and the second one from XX/XX/XXXX. 

Regarding the inspection fromXX/XX/XXXX : 1 ) My contractor watched me sign the original report, which stated 90 % ... ... I never signed a report that stated I was at 60 % nor would because I would not have been in agreement with XXXX report was changed to 60 % AFTER I signed the report at 90 % .... ( ILLEGAL )!!! 

2 ) Please see the report fromXX/XX/XXXX, which stated we were at 75 %, it also stated that windows need to be installed, siding needed to be applied to the house, insulation and sheet rock needed to be done. 

3 ) Since theXX/XX/XXXX report at 75 % - The following items have been completed : Hurricane Windows Installed, Siding Installed and Painted, Insulation Installed, Sheet Rock ( tape and skim coat ) Installed All of the items listed completed and have also passed inspection with the City of XXXX XXXX XXXX. 

4 ) Also please note that in the report fromXX/XX/XXXX states office, porch and deck. There has never been an office or a back porch on that house since the day I purchased the house. The deck was a 4 wide 10 deck that was actually a step up to the back door of the houseinsurance did not pay for this deck because it was an outside feature that was not a part of the claim.. The deck was termite infested so I had it removed and there will not be a Deck added back, just steps up to the back door. Whomever gave the inspection company the information regarding office, porch and deck gave wrong information, which wrongly affected the percentages of the XXXX report..unfortunately the report was written based on that incorrect information. 

5 ) The XX/XX/XXXX report was correct at the time regarding the 75 % and we have now completed many of the items that were listed on the XX/XX/XXXXreport, so we are certainly between 87 % and 90 %, that would be more accurate.

Please review all that I have written carefully..the XX/XX/XXXXreport was erroneous and also fraudulent regarding my signature, which that alone give way for a lawsuit from me the homeowner. I am 100 % disputing theXX/XX/XXXX report based on wrong information going in and the fraud that was committed with my signature by the inspection company. Please note that I am documenting all including but not limited to this email regarding evidence for a lawsuit for I have been displaced for three ( 3 ) years as of today..the fire was XX/XX/XXXX. 

Thank you.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received an alert from XXXX XXXX that my score had changed upon checking my Eqifax credit report I saw that my score had dropped XXXX points and that an account that was discharged in my Chapter XXXX Bankruptcy had been reopened and placed on my credit, I am not legally obligated to pay this account and the 4 payments that were missed was during the Chapter XXXX proceedings for which I was not obligated legally to pay and shortly there after all my debts were discharged, the debt in question is a student loan that I have been paying on faithfully for over ten years and never missed a payment and was never late, this loan had a cosigner on it and when my bankruptcy was discharged the creditor pursued my cosigner. After my cosigner contacted me and informed me of the problem I immediately contacted the creditor and informed then that my debt to them had been discharged but I was going to catch up the missed payments and resume all payments until the debt is paid in full. This same accout that I have disputed being on my credit report with Eqifax was closed and dischaged in bankruptcy, I legally owe XXXX  nothing but they took it upon themselves to open the discharged account and place it on my credit causing my score to drop XXXX points.I think that this is a very malicious act and when the discharged account is finally removed from my credit report I will not get the points back that were taken as a result of the discharged account being put on my credit report. I had to deal with something very similar with XXXX, these malicious acts has got to STOP, its not fair, when things are placed on your report that shouldn't be on there causing you to lose points that you can't get back I've disputed this same account with the same company and as a result the account was closed and showing that it was a part of my Chapter XXXX Bankruptcy and had been discharged.Maliciously the account was reopened to cause me to lose points knowing that once I dispute the account AGAIN it will eventually be removed but my points can not be restored. I am beginning to see a pattern with these CRA 's the same thing happened to me with XXXX   they too put a discharged and closed acount on my credit report causing my score to drop XXXX points and only restoring XXXX of those points, when I asked about the balance of the points I was told that there is nothing they can do about the points, now only days later from dealing with the XXXX   debacle, Now Eqifax
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (KS)

I got a XXXX card in XXXX of 2017. I always pay my card with online banking. My money always went into the correct account until XXXX of this year, when the money went into a canceled account my ex-husband had. I contacted XXXX XXXX  and told them what happen, in XXXX when I fiqured out what happened. They said to contact my bank and have them fax prove that I paid the money so I did. Phone calls were almost daily. I told them that I had had the bank send prove I paid the money and they said it was going to take up to 30 days to get the trtansfer made. Still I got phone calls, ones that were not very nice, and the letters kept coming. Then in late XXXX I get a letter saying I was turned into a collection and my credit score was lowered from XXXX to XXXX. All the while XXXX   XXXX is doing everything they can do to get me to pay it again. Last week when they called me again, they said they needed prove from my bank to be faxed to them. I said I had already done that once but would do it again. Today I called XXXX to see if my money was I there and they said it would be another 30 days.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

Navient has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. Navient and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I was notified by XXXX XXXX that there was a change on my credit reports and when I checked there was a negative remark about a collections debt from Diversified Consultants, XXXX, FL for a debt owed to XXXX XXXX. Diversified Consultants has never contacted me in writing allowing me the right to dispute this debt, which was originally disputed back in XX/XX/XXXX when XXXX XXXX was trying to collect the debt for XXXX XXXX. The Diversified Consultants basically notified me of this debt when they placed the negative remark to the credit agencies. Back in XX/XX/XXXX, I submitted a complaint against XXXX XXXX and XXXX XXXX, complaint # XXXX, regarding the same notification practices. At that time, the complaint was resolved by the debt being disputed, the negative remarks deleted from my credit report and it being closed.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2017-06-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TN)

Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've recently received a copy of my credit report and noticed several discrepancies and unauthorized accounts/information reporting to my credit report. These remarks has been detrimental to my life and credit health.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY   has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from CHOICE RECOVERY  but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX  XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Consumer complaint received 2018-08-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I entered into an agreement with Wells Fargo to go onto a reduced payment plan for my mortgage. This was due to me becoming a XXXX XXXX XXXX Veteran, and having to exit the military because I was blown up from an improvised explosive devise in during one of my combat tours in XXXX. I entered into this agreement, with good will, and continued it until my Veterans Affairs XXXX XXXX XXXX began which allowed me to begin payments on my regular schedule at the full price. I have never missed or been late on any payments, because I have it set up on auto pay, through my bank, XXXX and it is automatically deducted from my checking account each month. On XXXX, XXXX, Wells Fargo began this program, of reduced payments, and an error between internal Wells Fargo departments caused them to not know that I was on the program, and they kept sending me a bill for the full amount. The following month, this resulted in a 30 day late, which posted on the XXXX date, and it is now still on all 3  of my credit reports. I have disputed this several times. I don't know how much more clear I can be about this. I have even talked to a Wells Fargo representative on the phone, and it is in my Wells Fargo notes, that they sent it to the Wells Fargo credit department for immediate removal. Please help. I had a similar situation, in XXXX, with two 30 day lates, I can explain those in detail, and have notes on that as well. But wells Fargo should have this, and I have talked to them several times about it. They have already agreed to remove, but never have. They are reporting inaccurate information on my credit report. This is the final time I am asking, please remove all 3 late payments off of my credit reports immediatley.
Consumer complaint received 2018-08-20
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. (OR)

A credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my Experian credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-21
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. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX  XXXX, and XXXX XXXX   requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (MO)

I received a collection letter from XXXX  for {$66.00} dated XX/XX/2018. I promptly disputed the debt, requested validation, and requested that they cease and desist all collection efforts, including credit reporting, until they either validate the debt or notify me they do not intend to attempt to collect in a letter I wrote to them on XX/XX/2018. This collection agency did not do either one. They failed to respond, did not provide validation, and still continue to report this invalid information on my credit report. Reporting information to the credit bureaus is considered collection activity. It is a violation of the FDCPA to further attempts to collect without validating information after it has already been disputed. This information furnisher did not respond to my dispute and must remove the information from my credit files at this time.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I applied for a mortgage modification with Wells Fargo approximately XX/XX/2014 because we had a significant loss in our household income. Wells Fargo denied our modification and as a result we had to file chapter XXXX bankruptcy to save our home. We sent them every thing they required of us and we were denied. Wells Fargo actually lied to us from the beginning when we first received our mortgages. They told us that once we made our payments on time for a year we would be able to refinance and possibly rid of our second mortgage. When we called after 1year we were told we also needed a XXXX credit score, which was never disclosed.