davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd. (FL)

I am reporting a violation on the F.T.C. Fair debt collection Act.FMA Alliance ltd, file # XXXX is billing me for a account balance of {$760.00} that ; s already paid to XXXX XXXX XXXX account number XXXX, also paid to XXXX XXXX/XXXX account ending in XXXX three in a federal code B with the Internal Revenue Service since XXXX XXXX XXXX is reporting to all 4 credit bureau 's XXXX balances.fma alliance , ltdXXXX XXXX XXXX is billing me to get money that's not owed, no legal debt.this company got their 1099-c by certified mail.XXXX.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

Chase Bank has not been included in this scam inquiry into Credit Card transfer payment reversal charge backs. ( {$7000.00} over a week later, and after 2 banks ' customer service reps gave verbal phone assurance, allegedly recorded, that the transfers were verified solid and ready to spend. ) How do I apply for remedy relief from the credit card companies? Chase has updated my online account dashboard without giving accurate reflection of the 8 to 10 days with which it delayed before coloring the transaction status and says there is nothing to dispute. XXXX XXXX won't let me report problems online for payments like it does for disputed charges and says the payment was never authorized, as notated at reversal.

Ref : Case numbers- XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA (TX)

XXXX XXXX XXXX, XXXX is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
Consumer complaint received 2019-05-29
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by  federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-06-10
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. (WI)

On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to ~XXXX XX/XX/2019 I had attempted to register on the websites of XXXX, Experian , and XXXX to no avail as they claim to be experiencing technical difficulties. Calling XXXX to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling Experian ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rent Recovery Solutions (TX)

Credit Reporting Acct # XXXX ( Rent Recovery Solutions ) XXXX XXXX XXXX/XXXX DOB : XX/XX/XXXX SSN:XXXX Dear Sir or Maam After careful review and legal counsel of my credit report/reports and conferences with the U.S and State Attoney General Offices informing them that I have never conducted any transactions with ( Rent Recovery Solutions LLC or their subsidized affiliated companies ) pursuant to the Texas Finance Codes : Chapter 392 or others codes Texas Property Code or Texas Business Codes I assume they will and continue to violate these applicaional laws if not contested in a court of jurisdiction of my State conferring of Texas or under Federal Law I am having a legal problem with Owner XXXX XXXX President & , XXXX XXXX   XXXX to-wit whom are an alleged owner of a XXXX Georgia base Collection agency based out of XXXX XXXX XXXX XXXX , GA XXXX USA primary residents and business mailing/address is purportly XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA XXXX. My complaint to the OAG is that this company purports to have obtained some form of leasing contracts with us the consumer of a consumer debt for charges un-validated or unauthorized by contract laws of the State of Texas thur the credit bureaus under Federal Law and refuse to present evidence of any debt in direct violation of the The Fair Credit Reporting Act ( FCRA ), 609 & 611/ 15 U.S.C. 1681 & 1982 and in addition is in violation as being a non-registered collection agency in the State of Texas Finance Code 392.101-305 this company has presented unauthorized misrepresented credit reporting material to the bureaus and needs to be audit and prevented from conducting unapplicatable law at a State & Federal Level we will also pursue this matter with the FTC. Further after extensive search this company is not authorize under law to conduct collection activities under the Texas Finance Code 392.101-306
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection from CREDIT COLL on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XXXX, 2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to XXXX XX/XX/2019 I had attempted to register on the websites of Equifax, XXXX  XXXX and XXXX  to no avail as they claim to be experiencing technical difficulties. Calling Equifax to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling XXXX  ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

A while ago I received some correspondence from CITI and I don't remember ever having a CITI card. So I canceled that immediately. The card wasn't in my wallet and I didn't remember applying for the card. Move forward I am on the market for airline tickets. While shopping XXXX XXXX I see while checking out that I would get a {$250.00} credit on my first statement if I opened applied for a credit card. So I did. Purchased my tickets using the card and thought this might be a good card. However, when the statement arrives there is no credit. I call and they said because I had closed a credit card they couldn't give me a credit on the NEW account. Wait what? The first card wasn't even activated, no activity, nothing. The right thing to do would be to honor the advertisement. There was nothing stating if you had a previous account you are disqualified. Buying those tickets that way will have cost me other discounts because I have points to put towards that purchase. I just want this company to do the right thing and honor the advertisement. I am doing the right thing by paying timely they should do the right thing.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

Aloha, on XX/XX/19 I attempted to make my normal mortgage monthly payment of {$1700.00} with Mr. Cooper and was unable to do it as normal online. I than called Mr. Cooper and than was transferred to three different people. I was told in all three cases we are unable to tell you whats wrong, as you have litigation involved with your home loan. I have never received any notices of litigation and My monthly mortgage has never been in default EVER. The next Day I filed a small claims case against Mr. Cooper and had them served. 
The day of the hearing the Judge said small claims is the wrong place to file this kind of case? I opened an escrow account with XXXX XXXXi XXXX in XXXX hawaii on XX/XX/19 and placed XXXX payment of {$1700.00} in that escrow. With specific escrow instruction. To date I have never had a return call, or any correspondents from Mr. Cooper. I did receive the XXXX monthly statement now showing im Late for the first time. Thus wrecking my perfect credit rating. As you might know Mr. Cooper changed its name from Nationstar Mortgage a few years back. Maybe because of two reasons 1 ) they have a B- rating with the better business bureau 2 ) the name XXXX. XXXX was already taken
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (MN)

My dispute is addressing the Contract Callers INC in the amount of {$3700.00}. This account was sent for collection by XXXX XXXX XXXX XXXX for an account in XXXX, Ohio. This debt was created without my consent by a deceased family member, either before I was the age of XXXX or without my consent due to the fact that I have never been the renter or owner of a property.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to XXXX and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (AE)

On XXXX XX/XX/XXXX, Amsher Collection Services reported a {$50.00} delinquent debt to the following credit reporting agencies : XXXX   XXXX Creditor Name AMSHERCOLLECTIONSERVICES Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX   Responsibility Individual Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XXXX XX/XX/XXXX Remarks Placed for collection Medical|Subject has not satisfied debt. 

-- -- Remarks -- -- I am military stationed in XXXX, and have not been living in the US since XXXX. All of my medical expenses are billed to XXXX XXXX, as I am XXXX XXXX military. There is no situation where I would owe a debt of any kind to XXXX XXXX XXXX. 

Furthermore, no one has ever informed me of this debt in by any method, until it appeared on my credit report last week. I have tried to call both XXXX XXXX XXXX and Amsher Collection Services,  as well as left messages on their website, but have not received a response. 

I am moving back to the USA in XX/XX/XXXX, and will need to have my credit at an acceptable level so that I may begin potential home shopping. I have worked diligently for years to repair my credit, and this is going to cost me a significant amount in interest on home loans, etc. if this is not resolved quickly. Thank you for your assistance.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

Hello, The problem I have is with Chase Bank - Chase.com. 

I have a checking and a credit card with Chase bank On XX/XX/2019 I submitted a one time payment online, using chase bank application, of XXXX $ - the payment was towards chase credit card Chase by mistake or by their application issue charged my checking account 2 times of XXXX . Therefore i can see that XXXX $ was taken away from my chase checking account. 

But checking credit card processed and received only 1 payment of XXXX . So I lost XXXX $ ( 2 times of XXXX $ ) from my checking account and credit processed only one XXXX . Therefore Chase bank stole second XXXX $ from my checking account I'm calling chase bank daily regarding this issue, spend 5+ hrs on a call with chase bank, went to a chase branch, talked to at least 5 managers, sent at least 7 emails to chase bank Everyone I spoke to from the chase bank can see and they agree that XXXX $ disappeared from my checking account, they agree that bank somehow charged XXXX $ by mistake and those money has to be back, BUT none from chase bank helped to return XXXX $ back to checking. They keep directing me to debit card department, debit calling credit, credit finger pointing back to debit, managers pointing back to debit, credit, claim department, claim department telling its not a fraud and they can not help. I spent a week trying to return stolen by chase bank money and Chase bank did NOTHING to help so far other than finger pointing to its different departments
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

XXXX XX/XX/2022, I received a letter from ERC stating that I owe XXXX XXXX XXXX {$170.00}. I called on XXXXXXXX XXXX  @ approx. XXXX and spoke with XXXX XXXX ( name given to me ) and clearly stated that I have never has XXXX XXXX XXXX. I informed her that I have never lived at the address in question and that wasn't my the SSN. Additionally, she stated that I would NOT get anymore notices. 

Well today, XXXX XX/XX/2022, I received another notice stating that I owe {$200.00}. I called and spoke with XXXX XXXX ( I think he said XXXX ) @ XXXX and he gave the same address and last four of the SSN, which I have never lived at the address in question and the SSN was incorrect, not belonging to me. 

How can I stop ERC from sending me this info? I have proven on two occasions that the bill does not belong to me. As I mentioned to both representatives, I have a common name and i assume that someone in the company looked in the phone bill and found a that name under XXXX, Ga, which there are about three of us with the same names but different SSN. 

Thanks, XXXX
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/2018 I submitted a cease and desist letter to my mortgage company, Carrington Mortgage Services, requesting all future communication and requests concerning my account be submitted to me in writing. I called Carrington today to inform them that I have not been receiving monthly mortgage statements nor can I access them on my online account. I was informed that my cease and desist request prevents Carrington from producing and providing my monthly mortgage statement in any form. I believe this practice violates my rights as a mortgagee and am submitting the this complaint.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have 4 US DEPARTMENT OF EDU Reported : XX/XX/2019 Accounts listed the amounts should be XXXX and they are also too old to be on my account as well.And I have DEPT OF ED/XXXX  Reported : XX/XX/2019 account with lates that werent late but the account is also too old to be on my account.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Services, Inc. (IL)

I had a missed call from National Credit Services at about XXXX XXXX on XX/XX/19. I returned the call and verified my date of birth but refused to give the last four of my social security number. I asked the rep who they represented and she kept giving me her company 's name. I asked for a supervisor the rep asked me to hold and then came back onto the line to ask me to continue holding. I advised her that wasn't necessary and to please just remove my telephone number. We ended the call. The next morning I received another call. I called back and again verified my date of birth and again refused to confirm my social security number. I asked why I was being called when I requested my number to be removed. The rep asked my why I wanted my number removed. I advised her that it didn't matter why I wanted it removed. I asked if it was documented that I wanted my number removed and she stated that it was. I advised that I would be filing a complaint.