davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-08-27
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: Innovis (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. 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 them, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2018-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Asset Management Outsourcing, Inc. (FL)

XXXX XXXX XXXX is a corrupt collection agency. They reported a claim that was billed by a doctor with errors in 2015. They refuse to refill or erase. They're rude and crooks. Amount is not owed. They are collecting to collect without proof of ownership.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (UT)

I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018. 
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}. 

I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA. 

I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX recently placed two ( 2 ) collection accounts on my credit reports claiming account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX '' ) and account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX ). 

I have sent four ( 4 ) certified letters asking XXXX XXXX to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

The information they are sending to me does not show any proof that these debts are mine. What they send has my name on it with purchases I have not made, and there is nothing with my signature or social security number on it. I also sent certified letters disputing these debts to the Credit Bureaus but they also state they are valid.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a checking, saving account together with a credit card application at the XXXX office VA of Bank of America on XX/XX/XXXX!

A few days later, the credit card arrived in a XXXX mail, which was already activated and ready to use! I dont know how that could be possible! So I called up the banker who opened the account for me. XXXX XXXX assured me that as long as the envelope was not open, the credit card shouldnt have any security issue! This message is different from what I learned before! I would like you to investigate the truth behind this message! Thank you About two weeks ago I designate the checking and saving account at Bank of America to be the bank account to receive the loyalty payment directly from XXXX XXXX! My books have been sold hot and people already started to copy the content and style of my books, but I havent seen the loyalty payment at Bank of America yet! So I went to the XXXX XXXX office VA of Bank of America on XX/XX/XXXX to report account fraud claim! The office was open, there wasnt any sign to say that the office was not operational or what! The big Bank of America logo still high on the building! But the people inside doesnt look like a banker! The things they were doing didnt resemble banker either! I would like you to investigate what happened on XX/XX/XXXX at the Bank of America XXXX XXXX office!

Today XX/XX/XXXX I called up the banker who opened the Bank of America account for me in the first place! He said his last name XXXX but declined his first name XXXX! When I asked him to transfer my call to the fraud department, he said he can not do that! Could you please investigate why he wasnt able to be himself and do his job?

I would like to charge Bank of America for employee-involved account fraud! There are millions of dollars deposits was erased from both my checking and saving account! The technology to retrieve all the data is handy! I would appreciate your help and justice!

Thank you
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation (TX)

This company has placed a collection items on my report that do not belong to me. I have written them in efforts to inform them on multiple occasions and they are unwilling to remove the alleged account or to respond to my correspondence via certified mail. 
The alleged account :XXXX  XXXX XXXX XXXX XXXX. This account is causing harm to me and my credit file. I have sent them over 4 separate affidavits with no reply. This account does not belong to me and I request immediate removal from my credit and or the immediate issuance of {$3000.00} for punitive damages.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (PA)

BBVA compass refused to honor {$200.00} signup bonus for opening a checking account and establishing eligible direct deposit. 

BBVA ran a promotion in XX/XX/2017. The detail of the promotion is : " BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening. '' I opened an checking account on XX/XX/XXXX and got the email on the same day. I set up direct deposit. For example, a direct deposit of {$5400.00} from my employer was successfully deposited on XX/XX/XXXX ( CREDIT FOR XXXX XXXX XXXX ). However, I have never received any {$200.00} bonus up to date. I've reached out to the customer service and talked to a supervisor ( XXXX XXXX ),  but she claimed that I am not eligible. 

Thus, I am filing this complaint, and I hope CFPB will be soon aware of this. Thank you very much.
Consumer complaint received 2018-09-13
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Kohls {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.
Consumer complaint received 2018-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Signature Bank (NY) (NY)

This complaint refers to a prior submission XXXX regarding the improper actions taken by Signature Bank in reference to two loans that we have with the bank secured by two cooperative apartments at XXXX XXXX  and XXXX at XXXX XXXX XXXX, XXXX XXXX, NY. I have submitted feedback on this complaint however I am not able to provide attachments on the feedback submission so I have formed this complaint to provide the attachments
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that American Express ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted.

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

XXXX is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CA)

The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to XXXX who originally owned the account and offered to make XX/XX/XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and XXXX related as an XX/XX/XXXXveteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX* Balance : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2021-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (SC)

The mortgage companies are running me ragged in a circle by saying the next company will received the transferred funds, but it has never met its final destination. I started off with Calcon Mutual Mortgage Dba OneTrust Home Loans ( XX/XX/2020 ) who sold it to XXXX/XXXX XXXX XXXX who sold it to XXXX XXXX ( XX/XX/2020 ). The final mortgage company who had recieved it had not recieved funds from either mortgage company. It felt like the two previous companies don't intend to transfer the funds at all as they keep saying it will get handled, but it never is. I have made two mortgage payments to OneTrust Home Loans of {$1500.00} on XX/XX/XXXX ( recieved via check # XXXX for XXXX ) and on XX/XX/XXXX ( via ACH payment for XXXX ) which was allegedly forwarded to XXXX XXXX XXXX  since they said bought my loan in XXXX. After a bunch of poking and prodding they said that the first payment needed to have the principal of {$490.00} needed to be subtracted. Which would mean a transfer of {$1000.00} ( after doing the math myself ) needs to be transferred from OneTrust Home Loans ( and possibly XXXX XXXX XXXX if they are also adamant on keeping some part of the received funds ). So apparently they indirectly implied that it was my job rather than their accountant 's job to tell them to subtract the principal and and how much of the remaining funds that need to be sent, which tells me that they weren't planning to send the funds to XXXX XXXX at all unless I kept asking.
Consumer complaint received 2018-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I applied for 2 lian forgiveness programs and was denied each time. I applied for XXXX loan forgiveness, which I had met all of the criteria. I was denied because they said my loans were not eligible because I consolidated them, putting them in a different timeline which was out of the eligibility guidelines now, and they were the ones who told me to consolidate. I also applied for Public servant loan forgiveness, after working in a school and job that met criteria for the l8an forgiveness, I also made 120 consecutive payments to meet criteria for forgiveness. 
I was told my loans were eligible but after submitting the application was denied again, stating my loans were not eligible now. There solution was to put mt loans under a different loan name and start the process over again. 
These two incidents should be on file with navient.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (TX)

On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I tried to pay off my BANKAMERICARD secured credit card with my prepaid XXXX XXXX account but for some reason my payment got returned. As a result Bank of America blocked or put a hold on my account so that they could charge me a late fee for not paying off my balance before its due date. Every time I try to make a payment using their mobile app I get a message saying : Your request cant be processed due to account status. Please contact us for assistance at XXXX. And every time I call them their Bank of America representatives try to make me pay more than whats due.
Consumer complaint received 2018-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX  and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage payments.