davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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: HCFS Healthcare Financial Services of TeamHealth (OH)

Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION Service # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: W&A Intermediate Co., LLC (NJ)

This debt collector text at all hours of the day and night. 

This is an important notice from XXXX XXXX XXXX a debt collector. Dial XXXX or visit XXXX Reply HELP for info or STOP to end. 

Received this text at XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.
Consumer complaint received 2021-02-04
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: National Credit Systems,Inc. (GA)

I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Consumer complaint received 2021-02-04
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)

I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both XXXX  and TransUnion. 

Both TransUnion and XXXX  are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to TransUnion and XXXX. 

I'm very frustrated at this point that XXXX  and TransUnion have not reported the account correctly even after filing several disputes with both the credit agencies.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on Equifax and XXXX  it shows dated opened XX/XX/2018 and on XXXX  it shows an open date of XX/XX/2018. The high credit on XXXX  and XXXX  is XXXX and on Equifax XXXX. The credit limit on XXXX  and XXXX  is also showing XXXX and XXXX on Equifax. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (KY)

I DO NOT HAVE A CONTRACT WITH SENTRY CREDIT NOR DO I HAVE ANY CONTRACTS WITH XXXX XXXX. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

My debit card was used to fraudulently transfer {$250.00} from my checking account to XXXX XXXX in the XXXX. The fraudster had my address, birthday, email address and card number. They did not have my correct phone number. I have never had a MoneyGram account. Yet, they were able to open a MoneyGram account in my name and transfer the {$250.00} to the individual " XXXX XXXX. '' I contacted MoneyGram within 20 minutes of being notified by email of the transfer and they refused to refund or cancel the transaction. They instead referred me to local authorities. I have contacted my bank and they are conducting a fraud investigation. I have cancelled the card that was used. 

How is possible for a US based company like MoneyGram to enable such fraud by inadequately verifying their sources and not be liable for it? When I rent a movie on XXXX  I have to verify a text to my known phone number, yet someone from the XXXX is able to pull XXXX out of someone else 's checking account?
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WI)

please refer to the following ticket XXXX This ticket was closed, however, it should not of been closed. 
I received a phone msg that I could barely make out on XX/XX/21 from XXXX XXXX ( office of the president ) indicating there was resolution to my case and a letter was sent. The msg was very muffled and I could only here a few words, however, she did indicated that I could call her direct and provided her phone and extension number for questions. I went to the websit to review the letter and while I'm appreciative of the {$400.00} credit. The issue is that i was charged {$2000.00} in interest and continue to get charged over $ 150 monthly for interest. This is an absorbent amount to sustain and I will never get out from under. I understand why this took place, however, I've had good standing credit, pay my bills timely and this bill was set up to pay in full over an 18 month period. Non the less, I've talked to 5 people ( managers ) at Synchrony and now XXXX and basically I'm in the same situation. The letter indicated that I could call XXXX XXXX at XXXX, ext XXXX. I have called daily, several times a day since XX/XX/21 and her voice mail box is full. I suspect this is another game that Synchrony plays as they want to hid behind a letter and make it look like they are helping, however, don't allow for a face to face conversation around the subject. i continually get their side of the story, however, no one listens to me, the customer who has an excellent credit rating and pays bills on time. My ask is that the high % rate monthly is stopped immediacy as this isn't helping the situation and for a live phone call to take place with resolution. This matter needs to be resolved vs hiding behind a letter. I'm very disappointed in the process thus far. Thank you.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I have sent two letters to Equifax requesting the incorrect information be removed from my credit report. The address were removed that don't belong to me but they removed the incorrect name. I am remarried and my name is not affiliated to XXXX. 

My drivers license and social all have XXXX XXXX. I received no notification from Equifax to confirm and my letter clearly stated to remove XXXX XXXX XXXX.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I had a debt collector call me after XXXX who would not identify what organization he worked for unless I gave him my date of birth and social security information. Then when I said I would call USAA to verify the information - he insisted that he was hired to get the info from me, so it wouldnt do me any good to do that. I let him know that I do not give out my personal information to a company that I can not verify and I have that right to do so.
Consumer complaint received 2021-02-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (CA)

XX/XX/2021 : I sent Notarised : Affidavit of Truth : Nelnet Cease and Desist Debt Validation Letter Invoice 0f violations, 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ) 15 USC 1692f ( 8 ), and 15 USC 1681b ( 2 ), Invoice total {$5000.00} payable by check
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a couple old accounts on my credit report from CapitalOne. I recently noticed that one of the accounts was still showing a balance owed, and the account was being reported as derogatory. I contacted CapitalOne and filed a dispute for the information being incorrect because that account had been settled. After they investigated it they did find that the account was settled and was being reported incorrectly. I just looked at my credit report again today and now there are two other CapitalOne accounts showing on my report as derogatory even though they have been settled as well. This should be illegal to falsely report incorrect information on someone's credit report.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I reviewed a copy of my XXXX, and Equifax credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.
Consumer complaint received 2021-02-05
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. (IN)

I got a Chase credit card back in XXXX. I have never missed a payment. I received a letter taking my available credit line from {$7500.00} to {$5500.00}. I recently cleared my balance paying {$5400.00} on XX/XX/XXXX In return, Chase lowered my credit line to {$500.00} as of XX/XX/XXXX. This will cause harm to me by lowering my credit score and will cause me to pay more interest on the things I buy.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

PRA has contacted me about a debt under my name of {$360.00}. The originator of this debt was sourced from XXXX XXXX XXXX  XXXX. In retrospect, I contacted XXXX XXXX XXXX  about fraudulent accounts on my credit report. XXXX  XXXX XXXX  XXXX confirmed these fraudulent accounts were listed under different names and different addresses. In XX/XX/2020, XXXX XXXX XXXX  XXXX confirmed this account of {$360.00} was fraudulent and removed it from my account with assistance from XXXX. You may contact them to confirm such.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (OH)

I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).

-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).

-Violation of ( insert corresponding state laws here if desired ).
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OK)

On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
Consumer complaint received 2024-10-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This occurred with my USAA visa credit card. I was in XXXX XXXX in XX/XX/year>, took a taxi home from a museum. The taxi driver attempted to use my credit card to pay for my ride, but claimed the credit card machine wasn't connecting. I ended up paying cash for the service. Later, I noticed a ridiculously high charge on my credit card account. I attempted to dispute it with USAA, but they came back and said since i couldn't provide receipts ( who asks for receipts when paying cash for a taxi in XXXX? ) and I had handed my card to the taxi driver, they assumed the charge was valid and denied the dispute. I'd sent them a written statement telling them what happened and included several links to online social media chats of an ongoing scam in XXXX XXXX involving taxis doing just this sort of thing, but to no avail. I have all of that documentation, if needed. 
Date in question was XXXX XXXXXXXX XXXX Amount was {$680.00}.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I began talking to XXXX XXXX on XX/XX/XXXX at Mr. Cooper Mortgage Company ( NMLS # XXXX XXXX about refinancing my home to get a much better rate and go back to 30 years to reduce my mortgage payment. A loan application was started and I emailed requested documents, signed online forms, and paid for an appraisal immediately. XXXX told me it could take up to 60 days. I own a small disadvantaged XXXXXXXXXXXX XXXX XXXX XXXX  and I got the impression they didn't like that I am XXXX XXXX. It didn't matter that I've survived over 20 years when most small business have gone under. It didn't matter that I currently have over a XXXX dollars in purchase orders for work over the next 2 years. I asked for a status of my loan application on XX/XX/XXXX and didn't get a response until XX/XX/XXXX after I asked again. All I got was an email stating " Unfortunately we were unable to get an underwriting approval. The appraisal was already refunded. '' Never received a letter. Mr. Cooper mortgage has unfairly refused to lower my interest rate and wasted my time taking away ability to get a better rate. I owe less than a third on my house and no real reason for rejecting my loan application was given. I feel like this is another attack against a small disadvantaged XXXX XXXX. The rates won't be as low as when my application was in process so Mr. Cooper Mortgage has cost me thousands of dollars due to their discrimination against small disadvantaged businesses.