davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (FL)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2017-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION
Consumer complaint received 2023-11-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
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: NAVY FEDERAL CREDIT UNION (FL)

I had 3 credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

XXXX XXXX  XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/20XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We have had disputes with our mortgage servicing company for years. Their misapplied payments and suspense accounts. we went as far as filing a bankruptcy which XXXX assured me they would rescind. XXXX raised our mortgage payment from $ XXXX to $ XXXX while we were in bankruptcy.We are current on our monthly mortgage payments... now they want to just raise out intrest rate to double. 

They cant stand that we have held our end of any agreements. 

I need in front of a judge. 
and a company that can stand up to this craziness. 
We need help.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MN)

I am having an issue opening up a checking and savings account with Truist Financial. Truist Financial is refusing to open up any accounts for me due to a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Truist Financial is discriminating against me based on a previous bankruptcy, based on my race, and income. Truist Financial is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (FL)

I have multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report XXXX XXXX XXXX inquiries XXXX XXXX inquiries Equifax XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I refinanced my home with Carrington Mortgage Services , LLC in XXXX, and they required me to purchase flood insurance for an outbuilding on my property despite my previous lender waiving it as my residence itself was clearly outside the flood plain. On XX/XX/XXXX, that particular outbuilding was completely destroyed in a fire. After sorting everything out with my home insurance company, I contacted Carrington to request the removal of the flood insurance requirement as the building in question no longer existed ( they were well aware, as they were notified of the loss from my insurance company and named on the settlement check itself ) and as this was in the time period where building costs went through the roof we were going to be unable to rebuild. I had to call back numerous times and tried various representatives, and they all told me the same thing : they can not remove the requirement, and I have to continue maintaining the ( at the time ) minimum {$50000.00} coverage on the " structure ''. One of the representatives finally told me to try calling the flood insurance provider directly as Carrington doesn't control that. I tried, and was told by the flood insurance representative that they also could not do anything about it, as it was a requirement of my lender and FEMA. I called Carrington back and they then told me that FEMA controls what they need to require, and until they are notified by them that coverage is no longer necessary then I need to keep paying it. I contacted FEMA multiple times, both the national help lines and my county/state offices, and I was told that FEMA does not regulate or oversee lenders, and I should contact the lender 's federal regulatory agency about the issue. So that is the stage I am currently at, after being forced to continue paying for flood insurance on a nonexistent structure for the last two years, five months, and twenty-four days while being given no way to resolve my situation.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (NY)

Over half a year ago I finally was able to end the PMI I had on my mortgage, currently the home insurance and the taxes are the only items still being paid through the escrow account. Unfortunately the bank is only rewarding me with 0.5 % of interest on the balance which is only a tenth of a what I can get in the short term money market currently. Obviously I want to put my money to work for me, not for US Bank. Unfortunately US Bank is categorically refusing to cease the escrow requirement, when asked why, they refer to a signed 5 year agreement. They fail to produce a copy of said agreement when I requested it, I do not have it in my possession nor do I recall signing anything like this. The request has been made several times by phone, chat and certified mail. It seems to me that US bank is deliberately taking no action to benefit from this interest gap.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I filed several disputes with XXXX on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want XXXX to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Consumer complaint received 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Today I purchased my  credit score and  report from TransUnion via online and also included in the purchase was the same information from   XXXX   and  XXXX . There was a major discrepancy in the scores at which point I contacted TransUnion customer service and was informed t hat the credit score I pur chased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score TransUnion reports to credit lenders when they inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in   XXXX   and I received a letter from my previous mortgage company that my  credit score thr ough TransUnion was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Consumer complaint received 2022-02-24
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: ERC (NJ)

ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX copied from my XXXX XXXX  account but never personally open this account myself and shouldn't be on my account and is violating the fair credit act law.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

The bank has stolen about XXXX usd dollars out of my checkings account without notifying me or without permission for no reason at all. I need my hard earn money back immediately and i want this resolved. The bank was TD and i also would want an investigation behind the scenario. I need my money back!!!
Consumer complaint received 2022-11-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a JP MORGAN Chase freedom card on the XXXX of XXXX. I was denied I asked a agent why was I denied, I was told I would receive something in the mail to the reason I was denied. I never received a letter at all. I called J.P Morgan Chase again on XXXX the XXXX, XXXX  and asked again why was I denied and I still haven't received an adverse action letter and they were violating the law. The agent I spoke to from J.P Morgan Chase bank said they would review the application again while I was on the phone. The agent then asked me for my social security number again, but said they could not approve me because the things I had on my credit report. Also J.P Morgan is in violation of truth and lending and the equal credit opportunity act especially since my credit card ( social security card ) was used and I received no benefits.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,