davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2019 Balance {$0.00}.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NJ)

My current lender is " LoanCare '' and I am going through a refinance with a different lender. I have reached out to LoanCare about 15 times between XX/XX/XXXX and XX/XX/XXXX to learn how I will be receiving my escrow refund and have not heard from them. Their customer service line hangs up on me and is completely automated so I can't speak to an actual person. I have sent multiple online inquiries for which I have not heard a response.
Consumer complaint received 2024-02-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

I'm written this letter to complaints long silent zombie 2nd mortgage or debt collectors filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREAL TIME RESOLUTIONS INC. ) XXXX XXXX  my husband borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXXXXXX XXXX XXXX security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXX XXXX. In XXXX we ( me and my husband ) filed bankruptcy and discharged we thought the HELOC 2nd mortgage had satisfied, the last payment my husband made to HELOC was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( HAMP ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from zombie mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

2008 my husband past away and they were doing a hardship and out of nowhere some guy was taking pictures of my house and told me he had just purchased it I was devistated and move out well years later after talkin with XXXX XXXX she told me to contact XXXX XXXX and after researching I found out that Wells Fargo bought them out in 2008 along with another lending company XXXX XXXX how do I get in on the lawsuit for XXXX billon my son was so affected by this move and memories of his father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will never understand why they sold without any notice it was a big hardship
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weber & Olcese, PLC (MI)

XXXX contends that I owe a large debt on a credit card. I disputed this debt in XX/XX/2014and told XXXX, I do not have the card in my possession and reported it lost/stolen when XXXX first sent me notice of being late to pay this debt. They assured me the charges would not be held against me and they were going to open a fraud investigation. I never heard another word. No phone calls, no statement, nothing. 
This account has gone through many debt collectors and each time, I contact the debt collector and tell them the circumstances and then follow-up with written notice within 30 days of receipt of their collection letter that I dispute the entire debt. 
I also request a copy of a judgment against me to show a court has declared that I legally owe this debt. This has never happened and every time I dispute the debt the notices and phone calls stop for a few months, but then it goes to a different collection agency and the notices and calls start again. These debt collectors call me and they call my wife and ask to speak to me. This happens all all hours of the day and this has been going on regularly since XX/XX/2014.
Consumer complaint received 2024-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Caliber Home Loans, Inc. (IN)

Caliber home loans now known as XXXX XXXX sold our loan to XXXX in XXXX, I believe in XXXX. We did receive the mortgage loan interest statement from XXXX timely, but nothing from caliber. 
We have made over a dozen phone calls to caliber to try and get the statement sent to us, but can not get through to their customer service. It is an automated system that asks for our account number, Social Security number or phone number and when we provide this information, the recording states that we are not a valid customer and just disconnects us. We have yet to speak to an actual person. This is absurd. It is now XX/XX/XXXX. We are trying to do our taxes and have heard nothing from caliber home loans, now known as XXXX XXXX regarding our XXXX mortgage tax interest statement. There is no excuse for this and I know that I am not the only former customer of caliber home loans that is having this issue. Disgusting customer service. Please help. Thank you.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

CREDIT COLLECTION SERV Original creditor : CCS FOR XXXX XXXX-XXXX  Keeps attaching an account to my credit report for {$2700.00}. This account is not mine, and I'm the victim of fraud. I've attempted to have this removed at XXXX multiple times, but it keeps getting reported as accurate. 

XXXX and XXXX have already removed this fraudulent account, but CREDIT COLLECTION SERV keeps reporting this important as accurate.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (WV)

I had opened a dispute for {$1100.00} because I had paid for a product and service I did not receive, the first dispute was filed wrong by the pnc employee so it was denied and the second was filed properly but then they closed my account without notifying me and they closed the account with a dispute open on it, which if I walk into a branch and try to close XXXX account with a dispute open, they tell me XXXX not allowed. However how are they allowed to close my account with a negative balance while I have a dispute that has not yet been resolved open, and then They turn me into collections for said accounts negative balance. I have spoken to executive client relations and they state that the merchant who I was supposed to receive the product and service from has said that the transaction was valid however it was not which I explained to the representative and they did nothing. Of course the merchant is going to say its valid because they are covering their own XXXX, yet pnc has caused a negative impact on my credit, my bank card score, and closed my main checking account all based upon false information from a salon. I find this unacceptable
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Placed order with retailer on XX/XX/2020 in the amount of XXXX, per the credit offers posted on the retailer XXXX, purchases on a personal XXXX credit account of at least XXXX qualify for 12 month financing promotion, meaning no interest if paid in full within 12 months of the purchase date.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (MD)

In XX/XX/XXXX, I contacted Financial Management Solutions to obtain my credit report. However, the company has conducted three unauthorized inquiries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon raising the matter with the company 's representative, I was informed that an attorney named XXXX XXXX had requested the inquiries. This claim is unfounded, as I possess evidence that FMS conducted said inquiries voluntarily. The conduct above on the part of FMS constitutes a violation of my consumer rights. It is unjust and unethical to conduct inquiries into my credit report without my explicit consent, which has reduced my XXXX score and tarnished my consumer report. I urge FMS to undertake immediate corrective action to rectify this issue and ensure its non-recurrence in the future.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-04
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. (NJ)

Experian is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late the account balance shows {$6800.00} which is incorrect. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the 2 years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have a creditor named XXXX that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on Equifax and refuses to be removed even after the 7 year statue. Equifax is not helping to actually investigate this issue.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (PA)

I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via XXXX certified mail on XX/XX/XXXX. The tracking informed me that the letter was received on XX/XX/XXXX. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. 
This complaint was sent to the company on XX/XX/XXXX. No validation of supposed debt has been mailed to me to view. Since filing complaint and requesting proof/validation of debt, I have received numerous emails in relentless fashion from the company and the same individual, appx. XXXX. These are all identified as SPAM and harmful by my email client, they dont even have my name correct. I demand that these emails stop. Surely a legitimate request would come via bill, invoice, letter by mail rather than some scam type email.
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: MIDFIRST BANK (AZ)

The IRA Department issued an improperly payable trustee-to-trustee cashier 's check in the name of an FBO that is NOT me. It also claims that the account number provided by the new custodian was wrong, but that's a load of garbage. The instructions by the new custodian ( that were originals that had been mailed when first received ) had been run through a fax machine at least three times, and it was the bank 's fax machine and procedures that caused the account to appear illegible XXXX made 6s look like 8s ), and none of that matters because the main problem was the payee designation. 

The error was 100 % the IRA Department 's fault, but the IRA Department will not send new funds until the incorrect check is returned. The incorrect check was never in my possession. It was all handled by the IRA Department. 

The IRA Department 's failures should not become my problem. 

Attached are copies of the improperly payable check and the illegible faxed instructions.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX  XXXX  for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX  service. My new XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. 

However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX  initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. 

This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IL)

I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.
Consumer complaint received 2021-01-23
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)

Equifax is reporting a closed paid account in the collections section of reporting. These two accounts should be a closed paid account not collections. My lender noticed this and said I need to have this removed and either deleted or put in paid closed
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section XXXX for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ). 

XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts You have XXXX ( XXXX ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.