davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid collection which is a far worse rating in the eyes of any potential future creditors.

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I am receiving pre-qualified credit card applications for my XXXX children who are teenagers. The credit card issuer is Capital One. How can this be appropriate. They are no of age to enter into a contract. 


Capital One Application Codes : Daughter Reservation # XXXX Access Code : XXXX Son Reservation # XXXX Access Code : XXXX Please stop this activity.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

On XX/XX/2018, I received a debt collection letter from XXXX XXXX XXXX DBA Debt Recovery Solutions in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. XXXX responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a consumer. There is not a third party representing me. I have explained to Transunion that I am not liable to pay this debt from XXXX XXXX XXXX XXXXXXXX and that they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company consumer adjustment company inc has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Transunion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Transunion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Transunion is in violation of several laws. This is a defamation of my character and damage to my financial life. As a XXXX  I would expect the very least and as a XXXX  I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Transunion immediately and PERMANENTLY delete this information on this fraudulent debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Transunion is in violation of several FCRA laws. I demand that Transunion delete this stated fraudulent debt from my credit profile immediately.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I lost my job due to the Covid pandemic. I filed for unemployment and was to receive weekly payments. I looked and nothing was deposited. Kept checking for deposits and still nothing. We were told on the news that many people were not going to receive our payments that we should be patient it would take a while. I kept checking and then stopped checking. I forgot about my unemployment checks until I just recently needed unemployment, a little over 3 years later. I had seen on the unemployment website that over 3 years ago I had supposedly been paid. I checked the prepaid card and the card had been canceled, but was transferred to a Bank of America customer assistant who told me that the card had been canceled and after their review that card had been used in 51 card transactions and there was no money left on the card. I told them that it was impossible I had used it and that card was in our file cabinet since the pandemic first began, and that we were under a lockdown for almost 6 months since everyone systematically contracted the virus and we went person to person until we all finally contracted this virus, during which my mother in law was XXXX  and shortly after died due to XXXX! There was no way we could have used this money. They said they have to file fraud and do an investigation which can take up to 90 days. I've called throughout the last 90 days and nothing is being done and they keep saying that I have to wait the 90 days and that I've just filed the previous week, not 30 days. They are now ignoring my calls and refuse to answer my questions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : Apple Card/GS Bank USA XXXX XXXX XXXX XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 
I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 
In addition to the above request, I am also writing to inform you that this account is still reporting as open on my XXXX credit report, with a credit usage of 285 %. I have attached a copy of my XXXX credit report for your reference. 
I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score. 
I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future. 
Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report. 
Sincerely, XXXX XXXXXXXX XXXX XXXX  XXXX Credit Report
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (OR)

I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to M & T bank they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rozlin Financial Group, Inc. (NJ)

XXXX XXXX XXXX XXXX ( {$2900.00} ) on my credit report without my consent ( open on XX/XX/2022 ) In according with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 state I have the right to privacy.

15USC 1681 section604a section2 it also state a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open a consumer account as late payment.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I overpaid a statement by XXXX cents. That overpayment was reflected as a credit on subsequent bills. 
My statement closing XXXX XXXXXXXX XXXX, showed a " debit adjustment '' " purchase '' of XXXX cents on XXXX XXXX. That took my XXXX cents and XXXX  out my account. 
I called Chase Bank XXXX for an explanation and was told the issue would have to be escalated and reviewed. I would get a letter of explanation in XXXX business days. 
We're beyond that, now. 
I want to know what happened to my XXXX cents. Did Chase take it for their convenience? Is that common? Is that legal? How do I get my XXXXXXXX XXXX restored? 
What's so difficult about letting my XXXXXXXX XXXX  just " be ''? Why do we have to go through this?
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I'm submitting a complaint against Enhanced Recovery Company , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX ) to ( Enhanced Recovery Company , Inc. ) authorizing ( XXXX XXXX, XXXX ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are I have yet to receive the requested information.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TN)

3 years ago I divorced my husband. The house on XXXX XXXX was left to me in the divorce. The deed is in my name and I had the taxes and insurance put in my name due to the tornado that happened in 2021, so that the insurance settlement could be paid to me. I was contacted earlier this year ( XXXX ) by Mr. Cooper stating that because the insurance was in my name and not my ex husbands that they would not pay it and would take out a hazard policy because my name wasn't on the mortgage. They recommended doing an assumption, which I did and sent all the paperwork to them 6 months ago. I was told that they would pay my mortgage on a month to month basis until the assumption went through THEN I received 2 letters from Mr .

Cooper. 1 stating that my insurance had been paid and 1 stating that they would not be paying. 
I sent both to my insurance company who tried to help me with the situation as best as they could, but we were never able to rectify it. I was sent another letter a few weeks ago stating that they had taken out a hazard insurance policy and when I checked my mortage payment it went from XXXX per month to XXXX per month. Now Mr .

Cooper has been putting me on hold for 3 hours at a time and giving me the runaround. Please help.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT SEVERAL FRAUDULENT ACCOUNTS IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNTS UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN SEVERAL ACCOUNTS ( PLEASE SEE THE ATTACHED FTC IDENTITY THEFT REPORT ). PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE. ATTACHED IS MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND THE FTC IDENTITY THEFT REPORT. THANK YOU
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XX/XX/XXXX, my husband lost his job. At this time, we had a home mortgage with XXXX XXXX XXXX. We contacted them requesting a loan modification. XX/XX/XXXX, we received a letter informing us that our loan had been modified and the necessary paperwork needed to returned by XX/XX/XXXX for finalization. Our first payment would be due XX/XX/XXXX payable to XXXX. We signed the paperwork on XX/XX/XXXX, and returned it immediately. We were then sent a letter from Rushmore Loan Management dated XX/XX/XXXX, stating that our loan was transferred/sold to them and the date our loan was sold was XX/XX/XXXX. I believe this is where all the confusion started. In the meantime, we start getting letters from Rushmore stating that our loan is delinquent. A phone call was made to Rushmore explaining the loan modification. They claimed that they never received the paperwork from XXXX in regards to the modification. I faxed them the XXXX paperwork to show that we were approved by them for the loan modification. This was in XX/XX/XXXX. We made our first payment to Rushmore in XX/XX/XXXX. We continued to call Rushmore regarding the modification in which they said that all the paperwork was in Underwriting. This was in XX/XX/XXXX. I'm a little confused as to why we were told that the paperwork was in Underwriting and then told that they never received the paperwork. We continued to make our payments and still kept receiving letters and phone calls stating that our loan was delinquent and in danger of foreclosure. All our payments were considered partial payments and unapplied. On XX/XX/XXXX, we received a call from a Rushmore representative informing us that because they didn't have the original paperwork that XXXX should have sent them, she was emailing us the paperwork that I had faxed them in XX/XX/XXXX to us and we needed to resign it and send it back to her immediately, in which we did. On XX/XX/XXXX, we received a letter from Rushmore indicating that their records show payments received for each month the loan has been serviced by them and once the modification is approved, Rushmore will correct any negative credit reporting and wave any late fees assessed as necessary due to the delays. 
XX/XX/XXXX, we received a letter from Rushmore letting us know that our modification was finally approved and all our payments were applied to the principal and interest. I don't know if all the fees and charges were reversed. My statements show a total of {$240.00} in fees and charges. 
Because of all this mix up, our credit report is showing a 90 day late on XX/XX/XXXX and a 90 day late on XX/XX/XXXX. I've written a couple of letters and Rushmore comes back and says it's because the loan mod wasn't approved until XX/XX/XXXX. This is not our fault for all the paperwork problems. We tried very hard to get this remedied.
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Portfolio Recovery, LLC (VT)

Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.
Consumer complaint received 2018-06-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I am frusterated we are trying to work with the lender and are gettting no where. At some point I was offered a XXXX Trial Payment Plan for a modification, we made one payment and then I a hardship with repairing my car, we were unable to continue the remaining 2-3 trial payments, that became cancelled. 
We then contacted few non profit agencies, we law firms, paralegals and got some advise and free consultation however we re-submitted for a change in circumstance ( hardship request ) and have been told we don't qualify for a modification or home retention options until XX/XX/XXXX. 
We have been working with a 3rd party agency XXXX XXXX they tried to submit hardship documents and do an appeal and the results of the appeal are attached. 

Here is a timeline of whats been going on, on our account XXXX nos XX/XX/XXXX submitted XXXX bk filed XX/XX/XXXX in review XX/XX/XXXX denied and never got denial paperwork underwriter said send in appeal XXXX got appeal decision saying reapply in XX/XX/XXXX ( see attached ) We have been trying to work with Mr. Cooper since XXXX, we ended up filing chapter XXXX BK to save out home from going to foreclosure, however we got a new sale date coming up in XX/XX/XXXX. We don't have any liquid assets to bring the loan current, we just want to accept a capitalized mod, of flex mod programs specifically related to this investor so we can come current and make our trial payments continously. 
This is our home, our retirement for our children, I am terrified of loosing our home, I wish that the lender can review our updated income, assets, financials to determine we have a solid hardship and re-review this file again. We are seeking your help to determine what " home retention '' options will be availble for us, XX/XX/XXXX is many months away and we can not loose our home. Please help us escalate this matter