davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MEDICAL BUSINESS BUREAU {$80.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL BUSINESS BUREAU {$80.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems (SC)

This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX 
www.fdscredit.com

I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file.
please see email response......
XXXX XXXX 
To	'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX
www.fdscredit.com
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NC)

XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency.

XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from my credit.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX Funding from my credit report, however, within days XXXX XXXX was added back to my credit report.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

Today I tried to request my free credit report and was denied access because the information that I checked off appeared to be wrong. I have not requested a credit report for more than a year and I fear that my social security number has been compromised. Furthermore, I believe that someone has taken out a mortgage in my name.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Consumer complaint received 2016-02-26
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I contacted the company on my due date and made arangements to pay the payment in 5 days when I had a paycheck come in. They said that was fine and told me to come in and pay on my payday. I then contacted them on my payday to see how much the payment was and they said I had to pay the total amount of the loan. I did n't have that much money to pay in full. I told them of my situation and they said I had to pay the whole amount. On my next payday I attemed to pay the full amount and they sent me an email saying that I had to pay the full amount plus {$500.00} to pay off the debt. They then proceeded to call roughly 20 times a day harassing me leaving me countless messages on my voice mail. They called so many times that I was reprimanded at work for my cell phone ringing twice an hour. I just want to settle the correct amount that is owed so the harassment will stop. The company is ace cash express.
Consumer complaint received 2021-01-05
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. (VA)

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to Experian/XXXX/XXXX  on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to Experian/XXXX/XXXX  on XX/XX/XXXX which also references the Federal Trade complaint on XXXX XXXX XXXX XXXX. I sent Experian/XXXX/XXXX a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and Experian/XXXX/XXXX  still refuses to remove the incorrect information. I have also tried to contact the company XXXX  XXXX XXXX several times and on the same days as Experian/XXXX/XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. Experian is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica (CA)

It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NM)

I applied for a mortgage through indigo mortgage and was supplied a pre approval letter. While going through the home loan process and two weeks before closing Equifax has no credit information on me and is reporting as fraud. I have called Equifax several times to resolve and have heard nothing. They say they dont know why its not reporting. This is causing me to possibly lose the house I was buying. Buyer has granted me an extension for 10 days to get this resolved.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On approximately Saturday, XX/XX/21, at about XXXX am. I called Bank of America to report suspicious activity associated with my bank account and the suspicious record keeping involving my credit card account and missing financial funds. Only to inappropriately learn that I was being illegally charged {$10.00} dollars for each and all financial withdrawals through the ATM machine? 
Which I had no prior knowledge of or either ever having agreed to said illegal terms arbitrarily placed upon me?
Consumer complaint received 2021-01-19
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: USCB Corporation (OH)

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

Account : USCB CORPORATION # XXXX - BAL : XXXX
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My son received a letter from XXXX XXXX denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to Trans Union and the Better Business Bureau. I also called Trans Union at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to www.transunion.comXXXX, but because my son is a XXXX, this application was discarded. My child is a XXXX and information on the credit card application was incorrect, but I am unable to contact Trans Union to have it removed.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On XX/XX/XXXX I made an atm withdrawal for XXXX and was charged XXXX on XX/XX/XXXX I made an atm withdrawal of XXXX and was charged XXXX... XXXX time I received an error message on the atm regarding my card and the atm didn't dispense any funds at all. I went inside the bank and a clerk told me the charges should drop off. The transactions posted and on the XXXX I filed a dispute explaining to chime. On the XXXX I received an email from chime stating my claim was denied and I can't appeal. {$720.00} is a lot of money and I refuse to loose that much due to a careless bank if I have to take this to court and XXXX I will. I just want my money. I never received even {$1.00} from the atm. It's the first few days of the month I was trying to withdraw that for rent but now I'm behind and at risk of eviction due to a XXXX atm and banking with the worst possible bank ever... XXXX isn't on their customers sides at all.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018, I checked my report and found out a hard check was done on my credit that i did not authorize, I do not even know this company! I check my credit very closely. I called the number that was listen in the contact info and it transfered me to transunion report. This is how the contact info looks : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.