davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (DC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LOANCARE SERVICING CTR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX  for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: U.S. BANCORP (AR)

XXXX XXXX XXXX Misaddress My Us Bank XXXX! On XXXX I Had Discovered My Card Did Not Come In A Timely Manner There Was Over XXXX Dollars Or More Took Out Of The Account ...!! I Had To Get A New Card Sent To My Home Address ... There Were Reports Written Out By The XXXX Police Department As Well As To The Company Was Informed As Well And Did Nothing About The Miscellaneous Transaction ...! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Is My New Number And The Number Associated With The Account was XXXX ....!
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

There are " numerous '' accounts that were possibly accidentally deleted from my credit report and it damaged my report and scores tremendously. I contacted Equifax and spent over an hour with the representative, however, the representative indicated that my old " good '' accounts are forever deleted! This is now putting a strain on my good credit rating. I have attached all my OLD accounts that were accidentally deleted that needs to be put back on my Equifax Report. 

** I have provided a document that shows ALL the good accounts deleted. 

** I have provided a one month old credit report that dictates all the older information ( some of which I have disputed for ID Theft, but includes the " good accounts that should have NOT been deleted that shows in the deleted documents ), and ** I have provided a CURRENT credit report that " no longer '' show that good accounts which SHOULD be reporting.
Consumer complaint received 2021-12-11
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: EQUIFAX, INC. (PA)

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to XXXX5 USC 1681b ( a ) ( 2 ). The following accounts and inquiries were placed on my credit report unlawfully and without my consent Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX- XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX- XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXXXXXX XXXX 12. XXXX XXXX XXXX- XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

Harris and Harris in XXXX illinois listed multiple accounts as in collections on my credit report. On XXXX I called to resolve the accounts. They told me I owed different amounts than what they have reported. They also told me one of the accounts they have no record of and when I told them to have it removed they told me its not their problem and I would have to get it removed on my own.
Consumer complaint received 2021-12-12
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: LoanCare, LLC (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : LOANCARE SERVICING C, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX account number ( XXXX )
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

on XX/XX/2017 I join XXXX  XXXX XXXX a Consumer Credit Counseling Service . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
Consumer complaint received 2024-08-05
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (VA)

I am in receipt of your response, however, this is still unsatisfactory. You provide response to a few things in which I would like to make reference and outline as well as address your violations. 

CCI Statement : We are a third-party collection agency for XXXX XXXX XXXX XXXX We have conducted an investigation and here are our findings : An account was placed in our office for collections on XX/XX/2019. Since that time the consumer has disputed the account numerous times, we have validated the debt for the consumer more than once. 

Response : Who gave CCI permission to receive my information to attempt to request alleged debt without my permission as the consumer? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have my permission to become the furnisher of alleged debt. 

Our Compliance Department also verified through public records that the consumer is shown at the service address during the service period Please provide proof of how your compliance department was able to validate said occupancy during outlined dates. As the consumer this request is my right. 

You indicate that you verified the debt. How? 

15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews with in order to validate debt. In closing, CCI had no written permission from the consumer to place any information on the respective consumer report. Furthermore, CCI does not have the power to validate debt. Only the original creditor ( XXXX XXXX XXXX ) can validate debt which I have not done. In fact, I was manipulated using deceptive practices and defamation of character into remitting payment for an alleged debt that was never validated and CCI is authorized to report anything without consumers permission. In closing, I am am requesting that closed file is removed from my consumer report immediately, or I will be forced to exercise my rights and prosecute based on the above referenced violations.
Consumer complaint received 2021-12-12
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: EQUIFAX, INC. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}
Consumer complaint received 2018-02-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Summary : I attempted to use Chase 's online Bill Pay program to pay a bill of {$5000.00} via paper check sent US Mail on XX/XX/XXXX. Chase removed the funds from my account, but did NOT produce or send a check to the recipient and has failed to offer any remedy or support after 6 phones calls and 1 in person visit. I have yet to retrieve my {$5000.00}. 

On XX/XX/XXXX : I used Chase Online to submit a request to send {$5000.00} on XX/XX/XXXX to a Payee via Chase 's online Bill Pay program via Paper Check mailed US Mail ( I've used this service many times previously ). Estimated paper check delivery was XX/XX/XXXX On XX/XX/XXXX : {$5000.00} was deducted from my checking account for transaction type Bill Payment On XX/XX/XXXX : XXXX notified me that payment was never received. I asked them to double check On XX/XX/XXXX : XXXX confirmed that payment was never received On XX/XX/XXXX : I called Chase online support twice - once on for 30 mins and one call for 48 mins largely on hold. One call was disconnected and one they said it was an electronic payment which I disputed since the request was for a physical check. The call was disconnected. 
On XX/XX/XXXX : I called Chase and was on hold for 1 hour and 23 minutes after which I hung up. I did my own research on my online account and found that the proof of payment for a payment I made via the same method ( Bill Pay paper check via mail ) on XX/XX/XXXX has a copy of the physical check as does every payment I've made this way before. However, the proof of payment for the XX/XX/XXXX payment has no evidence that a check was produced. It only says that the payee account number was my full name in all caps. I made an appointment to sit with a banker at my local Chase branch to show them this evidence and was only told that " probably the check wasn't mailed '' - also he was unable to log into my account because of '' technical issues ''. He advised I call the online support as I had done previously. I did so again and was on hold for 40 minutes before being transferred, placed on hold and then somehow disconnected. I called back immediately and demanded a supervisor. I was on hold again for 28 minutes before speaking with someone who told me this issue has been coming up for other customers and filed a " research case '' on my behalf and told me that I would hear from Chase within two business days via phone call On XX/XX/XXXX : Three business days after the last contact I called Chase support again to inquire on my open case. I was placed on hold for 1 hour and 21 minutes before receiving an automated message that " due to extenuating circumstances chase is unable to take your call '' and was disconnected. 

I have yet to receive any of my {$5000.00} back or an explanation on why this happened or an estimate on when I might get my money back. Additionally no one at Chase has been able to support me.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Equifax keep reporting the same inaccurate information that was closed in my bankruptcy 2017 in which they have recorded. Over and over again which causes my credit score to drop over and over again.
Consumer complaint received 2021-11-19
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. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as misleading information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  - Date of inquiry XX/XX/2020
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}