davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NC)

These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any any such debt in fact therefore exist, ( please remove this account before I seek legal litigation for defamation of character ) .. XXXX XXXX XXXX balXXXX {$8900.00}, XXXX XXXX XXXX bal. {$400.00}, XXXX XXXX bal. {$1500.00} XXXX
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Consulting Services, Inc. (UT)

My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt.
Consumer complaint received 2024-08-30
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. (DC)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TX)

On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current. 

After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all. 

I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this. 

Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began. 

She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call. 

After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged. 

I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do. 

I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice. 

I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: First Choice Assets LLC. (CA)

The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Bonneville Billing and Collections (UT)

When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 'm handling the estate account for my deceased domestic partner. I went to Bank of America on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved.
Consumer complaint received 2024-09-03
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. (AL)

I disagree with the account listed below which still appears to have delinquent payment history on my consumer report after your investigation. I would like this item immediately re-investigated, XXXX XXXX ( Account - XXXX ) .The inaccuracies are highly injurious to my credit score. In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my XXXX, Experian, XXXX consumer report : Consumer-Personal Statement As a concerned citizen, I believe it is the responsibility of organizations like the FTC to uphold and enforce consumer rights, ensuring companies adhere to ethical business practices and prioritize the interests of consumers above all else. I urge you to take decisive actions to address theses issues and to implement policies that will better practice consumers from exploitation and fraud.

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, EXPERIAN, has violated my rights. 15 U.S.C 1681 section 602 A. Including, 15 U.S.C 1635, 15 U.S.C 1662, and 15 U.S.C 1691
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-03-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help me.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Placement Services, LLC (OK)

Never received email statements from XXXX. Asked repeatedly to be switched back to paper billing. Never happened. Received letter dated XXXX/XXXX/16 to contact XXXX within 30 days of the letter. Received letter dated XXXX/XXXX/16 from collection agency. Called XXXX - they stated account was closed and transferred to collection agency. When asked why I was n't given the 30 days as outlined in the letter, I was told it must just be a cycle thing.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NC)

I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX XXXX.
Consumer complaint received 2015-07-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.